excluded peril

In insurance, an exclusion clause is a provision that bars certain losses or risks from coverage. These are also known as excluded perils.1

In property insurance, homeowner's policies commonly exclude losses from:
* Freezing when a dwelling is vacant, unless precautions are taken.
* Weight of ice or snow on structures like fences or docks.
* Theft during construction.
* Vandalism if the dwelling is vacant for over 30 days.
* Gradual water leakage, termite damage, rust, mold, or settling.
* Earth movement, flood, war, or spoilage.

While named-peril policies cover only specified risks, perils like earthquakes and floods, often excluded from basic homeowner's policies, can typically be added through an endorsement. Fire insurance policies also exclude losses from war, invasion, theft, and neglect by the insured.23