A river that is dry until it is not
The Santa Cruz and the washes that feed it carry nothing most of the year and a great deal very occasionally. Flood is excluded from every homeowners and renters form sold in this state, and that exclusion applies however reasonable it felt to assume the channel was decorative.
Farmland soil under new houses
Ground that was irrigated for decades behaves differently once it is built on, and settlement and drainage both follow the old contours rather than the new streets. Worth knowing what the policy says about earth movement, which is commonly excluded and commonly misunderstood.
I-10 at the edge of a growing town
The interstate carries freight past a town whose local traffic is expanding quickly, which is a combination that produces collisions involving drivers who are not from here. Uninsured motorist cover on your own policy is what responds when theirs does not stretch.