3. Earthquakes

CHRISTCHURCH, NEW ZEALAND - MARCH 26: House in Avonside collapses in the largest earthquake Christchurch has ever experienced
NigelSpiers / Shutterstock

Obviously, earthquakes involve earth movement, too, so they're also excluded from standard home insurance policies.

An earthquake can level a house, so homeowners premiums would be astronomical near fault lines if insurance companies were required to provide protection from quakes.

As with flooding, coverage for earthquakes is sold separately. The insurance is a must if you live in coastal California or other high-risk areas.