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Cost guides, coverage breakdowns, and expert insights to help families and businesses make confident insurance decisions

Insurance Exclusions

Dave Rysavy's guide to what homeowners insurance does not cover, showing the major exclusions Illinois homeowners face and the endorsements that close each gap

What Is Not Covered By Homeowners Insurance?

Quick Answer: Standard homeowners insurance is exclusion-based: it covers everything except what is specifically named out. The major...

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