What Perils are Excluded?
The gradual deterioration of shingle roofing or the rotting of a wood fence is natural and expected, so is an uninsured peril. But if someone spray-paints graffiti on your garage door, and the graffiti must be removed and the door cleaned, the damage is due to an insured peril – vandalism.
Home insurance policies generally offer coverage for named perils, such as fire, wind and theft. Excluded perils may include earthquake or flood. Earthquake insurance can be purchased separately.