---
title: Common Home Insurance Exclusions You Should Know
description: Understand common exclusions in home insurance policies to avoid surprises when filing a claim. Review your coverage to ensure you are fully protected.
---

[Michigan Insurance Industry News | Finlan Insurance](https://www.finlan.com/blog)

# [Common Home Insurance Exclusions You Should Know](https://www.finlan.com/blog/common-home-insurance-exclusions)

 Written by [Finlan Insurance](https://www.finlan.com/blog/author/finlan-insurance) | Nov 6, 2025 5:35:12 PM

While home insurance provides a safety net, it's essential to understand that not all scenarios are covered. Exclusions exist within policies, and being aware of them can prevent unpleasant surprises when filing a claim. Let's delve into some common exclusions you should know about:

- Flood
- Earth Movement
- Mold
- Vandalism to vacant dwellings
- Wear and tear
- Property damage caused by pets
- Enforcement of building codes and similar laws
- Intentional acts
- Neglect
- Government acts

These are the most common exclusions on a homeowner’s policy. Additional exclusions may be present in your policy, therefore, contact your agent at 734-456-6000 or submit a request to review your home coverage today!

[View full post](https://www.finlan.com/blog/common-home-insurance-exclusions)

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