What Is Not Covered Under Personal Property Insurance?

There are always terms and conditions of a homeowner insurance policy, so it's important to understand what's covered and what's excluded. For example, while some natural disasters will be covered, damages due to earthquakes usually won't be covered unless you've specifically purchased earthquake coverage. Stolen items should be covered by most insurances, but lost items usually aren't. Contact your insurance provider to discuss what's covered in your policy and get the right protection for your area, personal preferences, and belongings.

Generally speaking, the following items aren't covered in a typical policy.

• Aircrafts
• Motor vehicles
• Property of other tenants or roommates
• Rented items
• Animals
• Business or credit cards