Home insurance won't cover everything. Some things are deemed too risky or complicated for the provider to cover. The most common home insurance exclusions are –

• Loss/damage resulting from war/terrorist activities 
• Loss or damage due to wear and tear depreciation, or any other gradually operating cause  
• Liability arising out of any mechanically propelled vehicles 
• Any incident or loss involving radioactivity 
• Loss, destruction, or damage caused by sonic bangs
• Cyber risks and associated perils
• Expensive pieces of art that are too valuable and risky to insure