Under the standard ISO HO 3 homeowners policy, certain categories of personal property receive no coverage. These are:
- articles separately described and specifically insured, regardless of the limit for which they are insured under any other insurance (to avoid double recovery);
- animals, birds, or fish;
- motor vehicles and accessories, equipment, or parts while they are in or on the motor vehicle;
- aircraft (not including model or hobby aircraft not intended to carry people or cargo);
- hovercraft, flare-craft, and air-cushion vehicles;
- property of roomers, boarders, or other tenants, excepting property of roomers or boarders who are related to an insured;
- property located in an apartment regularly rented or held for rental to others by an insured;
- property rented to or held for rental to others off the residence premises;
- business data, regardless of whether stored as paper, electronic, or computer records;
- credit cards and electronic fund transfer cards, except as otherwise covered.
