# Residential insurance coverage and exclusions > Live situation record from CLSTR: https://clstr.news/situations/residential-insurance-coverage-and-exclusions > Updated: 2026-08-15T11:55:06.000Z. Sources: 4. Developments: 2. Information regarding residential insurance coverage highlights various financial risks and common policy exclusions for homeowners and renters. In one context, risks are associated with specific consumer behaviors, such as handing house keys to neighbors for tasks like mail collection. Some multi-risk contracts may include exclusion clauses for theft if there are no signs of forced entry and keys were provided to an undeclared third party. To mitigate these risks, consumers are encouraged to evaluate guarantees, deductibles, and indemnity ceilings rather than focusing solely on premiums. Other common coverage gaps include damage from natural events like earthquakes, sinkholes, and floods, as well as water damage from sewer or drainage overflows. Maintenance-related issues, including damage from pests, mold, mildew, or general wear and tear, are also typically excluded. Furthermore, while personal property is covered, high-value items like jewelry or artwork may be subject to limits that do not reflect full replacement value. ## Timeline ### 2026-08-15: Homeowners insurance coverage and common policy exclusions Homeowners insurance covers structures, personal property, and liability, but often excludes earthquakes, floods, maintenance issues, and high-value items exceeding specific policy limits. 2 sources. https://clstr.news/cluster/homeowners-insurance-coverage-and-common-policy-exclusions ### 2026-08-11: Home insurance coverage risks and selection guide Home insurance users are warned to check contract exclusions, particularly regarding theft without forced entry when keys are shared with neighbors, and to prioritize coverage details over low premiums. 2 sources. https://clstr.news/cluster/home-insurance-coverage-risks-and-selection-guide --- Cite as: Residential insurance coverage and exclusions. CLSTR, https://clstr.news/situations/residential-insurance-coverage-and-exclusions