Many people are surprised about the extent of protection their homeowner's insurance policy offers.
Although your policy may not cover flood damage to your home, it does offer some protection from loss due to natural disasters, such as hurricanes. Any structures on your grounds that are not attached to your house such as a garage, tool shed, pool cabana, or gazebo. The lawn, trees and shrubs on your property. Vacant land you own or rent, with the exception of farmland. Cemetery plots or burial vaults you own.