Hunter NelsonOwner of Nelson Insurance Agency

Home Insurance Secrets What Your Policy WON'T Cover!

8 Oct 2026 · 1 min

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In this segment, insurance expert Hunter Nelson highlights common but often overlooked exclusions in home and commercial insurance policies. He explains that when a newly rewired or newly built home experiences a loss, the cost of electrical work (e.g., $40,000) is typically excluded, while the remainder of the loss (e.g., $400,000) is covered. He then shifts to trucking, noting that premises liability is usually excluded from cheap trucking general liability policies. For businesses that operate large shops with many dispatchers and staff, a low‑cost rider on a commercial auto policy won’t provide adequate coverage; instead, a standalone general liability policy is recommended.

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What it's going to do though is, yeah, it's a big claim. I'm not gonna cover your work, but if you go rewire a brand new house or you go wire a brand new house, place burns down, it just got moved into, whatever the case is, the $40,000 for electrical work will be excluded, but the other $400,000 for the rest of the house will be covered most times in that scenario. So there's all sorts of little things in those policies. If you guys are a trucker, um, you know, typically premises are going to be excluded because trucking general liability is so cheap. If you got a big shop with tons of dispatchers and tons of people in and out, it's not going to cover it for $250 a year as a rider on your personal— on your commercial auto policy. So you would probably get a standalone general liability policy in that scenario.