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.
Rick Good spent ten years in the newspaper business, including with The News & Observer (Raleigh, NC) and The Greenville News (Greenville, SC). He co-wrote, with Melinda Coleman, Rutledge to Riley: Governors of South Carolina, 1776–Present (Published by The Greenville News), and is the author of Mind Games Trivia #1 (Amazon). He has recently spent 15 years creating original trivia content through Sounds Good Mobile Entertainment and continues that with his new company, SGME Software. He edits The Smart Reader’s money, real estate, and business coverage.
