What’s excluded in a home insurance New York policy?
These are the items excluded in a home insurance New York policy. You need to make special mention of these items if you want them to be covered in your home insurance New York policy: earthquake, floods, pet damage, damage by birds, rodents and insects, pollution damage, water damage resulting from flood or sewer backup, deliberate damage you do to your own or someone else's property by vandalism, normal wear and tear, war. This is a long list of exclusions and you are advised to discuss these fully your home insurance New York insurance agent before you sign anything.