Like HowStuffWorks on Facebook!

5 Things Homeowners Insurance Won’t Cover


In the event of a nuclear war, civil war or just an ordinary conventional war, your insurance policy will not pay to repair or replace your home. A long time ago, insurers realized that acts of war, including biological, radiological and chemical attacks were not insurable [source: All Safe Insurance].

What about terrorism? After 9/11, Congress passed the Terrorism Risk Insurance Act of 2002, which provided commercial coverage for terrorist attacks. However, the law never addressed residential coverage. Unless there is specific language in a policy excluding terrorist attacks, your home should be protected. For insurance purposes, terrorism is looked on as a criminal act. Some states, including Florida, New York, Ohio, Pennsylvania, Massachusetts and Texas prohibit insurance companies from terrorism exclusions [source: Moran].