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General

Exclusion

An exclusion is a specific cause of loss, person, or item that your policy will not cover. Flood and earthquake are common exclusions on standard homeowners policies.

A specific cause of loss, person, or item the policy will not cover. Example: standard homeowners excludes flood. A burst pipe inside the house is covered as water damage. Six inches of street water through the front door after a storm is not, because that is flood. The water looks the same; the policy treatment is opposite.