> ## Documentation Index
> Fetch the complete documentation index at: https://docs.nelsonandassociatesinc.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Exclusion

> What an insurance exclusion is, common auto and home policy exclusions like flood or wear-and-tear, and why exclusions are the top reason claims get denied.

An **exclusion** is a peril or situation your policy does not cover. Exclusions are a common reason claims are denied.

Typical exclusions include flood (often requires a separate NFIP or private flood policy), earthquake, wear and tear, intentional damage, and nuclear events. Read exclusions before you need them.

## Related terms

* [Named peril vs open peril](/learn/named-peril-open-peril)
* [Sewer backup coverage](/learn/sewer-backup)
* [Insurance claim](/learn/claim)

## Further reading

* [NAIC — Consumer insurance resources](https://content.naic.org/consumer)
* [FEMA — Flood insurance information](https://www.floodsmart.gov/)

These are independent consumer-education sources. Coverage details vary by state and carrier.

## Get a quote

Ready for coverage? A licensed agent calls during business hours (**Mon–Fri 9–5 CT**):

* [Auto / home / life quote](https://nelsonandassociatesinc.com/quote?utm_source=docs\&utm_medium=referral\&utm_campaign=exclusion)
* [Small business / commercial](https://nelsonandassociatesinc.com/commercial?utm_source=docs\&utm_medium=referral\&utm_campaign=exclusion)


## Related topics

- [Named peril vs open peril](/learn/named-peril-open-peril.md)
- [Insurance claim](/learn/claim.md)