This varies per state but may include

Homeowners insurance policies typically do not cover but not limited to damage resulting from the following:

Earth movement
Water
Nuclear hazard
Neglect or failure to make repairs
Corrosion, deterioration, decay or rust
Wear and tear
Contamination
Fungi
Increased cost due to enforcement of any building ordinance or law
Government actions
Power failure
Animals or pests
War
****Farmers Verbatim Quote****