Most Insurance doesn't cover 6 claims...

[David Krulac]

NOT covered by insurance:

1.  FLOODS, can be covered by separate FEMA flood insurance but not by home owner or rental policies.

2. EARTHQUAKES

3. SEWER BACKUPS

4.  PESTS rodents and bugs

5. SINKHOLES

6.  MOLD

Many of these can be covered with additional riders to your insurance, but are often excepted in the standard basic insurance policy.