In general, insurance provides for many sudden, unforeseen, unintended, and unplanned events. Special Form coverage protects property against any source of loss that is not specifically excluded. Perils that are NOT covered on most policies are:

  • Flood (this coverage can be purchased separately – learn more here)
  • Government Action
  • Ordinance or Law
  • Nuclear Hazard
  • Sewer and Drain Back-up (limited coverage can be purchased separately via our Tenant Protector Plan – learn more here)
  • Earth Movement – including but not limited to Earthquake and Sinkhole (this coverage can be purchased separately – learn more here)
  • Loss due to faulty zoning, poor workmanship, faulty materials, and defective maintenance
  • Wear and Tear
  • Damage to property caused by insects, birds, rodents, or other animals
  • Intentional Damage
  • Power Failure – originating away from the described premises
  • War – including undeclared and civil war
  • Neglect
  • Fungus, Wet Rot, Dry Rot, Bacteria, and Mold (Some of our program carriers include limited mold coverage, ask your representative for details.)

Note: This piece is not to be construed as contractual. Applicable language specific to your policy supersedes it. Information contained in this post is intended to provide you with a brief overview of the coverages provided for reference purposes only. It is not intended to provide you with all policy exclusions, limitations and conditions.