What two things are not usually covered by homeowners insurance?

Termites and insect damage, bird or rodent damage, rust, rot, mold, and general wear and tear are not covered.

Does State Farm homeowners insurance cover sinkholes?

Is raccoon damage covered by homeowners insurance?

Raccoon damage is a type of animal damage that is generally not covered by a homeowners insurance policy, including damage to your home's structure and personal property. Damaged caused by other vermin, such as skunks and opossums, is usually not covered as well.

What are 2 things not covered in homeowners insurance?

Your average home insurance policy is there to financially protect you from sudden, unexpected damage to your home, such as floods, fires or theft. Home insurance does not cover wear and tear.

Does homeowners insurance cover rodent damage to a car?

Yes, car insurance will pay out for damage – but you will still have to pay any excess and will probably lose your no claims bonus, so it's only worthwhile making a claim if the damage is extensive enough to justify it.

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