What Is Covered Under Home Insurance? 
It is always a good idea to talk with your Insurance Professional about the specific terms and conditions of your policy . In general , Homeowners insurance provides coverage for your dwelling and personal belongings if they are damaged or lost due to a covered peril . Examples of some of the most common are fire , theft , vandalism and the like . Though some companies may include some unique limitations or exclusions like wind or hurricane damage due to proximity to coastal areas for example , generally you will find that the two most common exclusions are loss due to earth movement and loss due to flood . Earth movement can range from sink hole rto earthquake as but two . This coverage may in most cases , be endorsed back into a homeowners ' policy . However , coverage for flood is oonly available through the purchase of a separate flood insurance policy . 