Additional Living Expenses: If your home becomes uninhabitable, this can help with costs for temporary lodging and other living expenses. Routine Maintenance: Damage resulting from wear and tear or lack of maintenance. Sewer Backup: Coverage for sewer or drain backups is usually not included, though some policies offer this as an add-on. Luxury Items: High-value items such as jewelry or artwork may not be fully covered. Landscaping and Swimming Pools: Damage to landscaping, fences, and swimming pools is typically excluded.