Generally any damage from flood, underground water, earthquakes, mudslides, settling, sinkholes, deterioration, contamination, nuclear hazard, birds, rodents, insects or domestic animals is not covered.
If in areas prone to earthquakes or floods, homeowners and renters should take out special policies.
Work-related pursuits or professional services are usually covered only under business owner's policies.
Motor vehicles such as ATVs and boats usually have to be covered under separate policies, but contents might be covered by renter's insurance.