What Kind Of Damage Does Homeowners Insurance Cover? 
Moderns standard issue Home Insurance policies provide coverage for a very broad range of perils . It is important to discuss the particular terms and conditions of your policy with your Insurance Professional . For the most part you will find that there are two very common perils for which a Homeowners ' policy would provide no coverage . These two are Earth Movement and Flood . Coverage for earth movement may be able to be endorsed onto your policy but flood coverage is only available by the purchase of a Flood Insurance policy . 