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What are considered Uninsurable Perils?

Insurance helps homeowners with the costs from unpredictable, sudden, accidental events. That's why some perils (causes of damage) are considered insurable, and others are not.

Here are some examples:

  • Flood is not insurable
  • Damage from freezing outside the home, from waves, melting or moving snow and ice, heavy frost, as well as snowslide and landslide is uninsurable;
  • Damage from insects, rodents (and sometimes raccoons) is not insurable
  • Direct damage from intentional application of heat is not insurable (e.g. shrinking of clothes in a clothes dryer), but if the dryer sets the clothing on fire, and the fire damages the room and its contents, that damage is covered

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