What Can I Claim On My Homeowners Insurance? 
Your Homeowners Insurance policy provides coverage for a wide range of perils . It is best to talk to your Insurance Professional about the specific terms and conditions , and any limitations included in your policy . It is safe to say that in general , there are two perils that your Homeowners Insurance wont cover namely loos due to earth movement and loss due to flood . In most cases , coverage for earth movement -LRB- sinkhole , earthquake , mudslide etc. -RRB- can be endorsed onto your policy . Flood Insurance , however , must be purchased separately . 