What Does My Homeowners Insurance Cover? 
It is always a good idea to talk to your Insurance Professional about the specific terms and conditions of your policy , but most modern Homeowners Insurance provide protection from a very broad variety of covered perils . So much so , it is almost easier to explain the two common things that it does not cover . The two most common exclusions in a Homeowners policy are for damage caused by Earth Movement and damage caused by Flood . In most cases , coverage for earth movement may be endorsed onto your policy but coverage for flood damage is only available by the purchase of a Flood Insurance policy . 