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hey guys mark with think insurance and today were going to talk about the six different ways that home insurance is not covered and theres a couple different versions of home insurance so youve got whats called an ho3 and an h05 the h03 is what were mainly talking about which is probably 90 to 95 percent of anyone that has house insurance thats called an open peril essentially when you look at whats called your declarations page thats the page that shows all of your coverages its going to tell you coverages that are selected well if the coverage is not on there then its not going to be covered the h05 is kind of that opposite where ads in addition unless its specifically excluded then youre open to that option of having those covered so jumping into number one is going to be flood flood is almost never covered on any policy in general i believe its even excluded on the h05 version just because its something thats impossible to determine now water backup and flood are two
