What is a common exception to coverage in most homeowners insurance policies?

Mold damage is often a common exception in most homeowners insurance policies due to the challenges associated with prevention and the nature of mold growth. Insurers typically consider mold a maintenance issue rather than a peril that is covered under the standard policy. Since mold can develop due to various factors, including water leaks and high humidity, insurers may exclude it from coverage to reduce potential losses and claims.

On the other hand, theft of personal items is usually included in homeowners insurance, providing coverage for such events. Windstorm damage is commonly covered under homeowners policies, although specific exclusions or requirements may apply such as maintaining the property adequately. Bodily injury to guests is often covered under the liability aspect of homeowners insurance policies, which protect the homeowner from lawsuits due to accidents occurring on their property.