What All Does Homeowners Insurance Cover? 
Most standard issue modern Homeowners ' policies these days offer a very broad range of coverage for the dwelling and your personal property as well as liability protection in the event you are held legally liable for injury to another person or damage to another perso n't property . It is best to talk to your insurance professional about the specific terms and conditions of your policy as well as any coverage limitations . Two things that Homeowners Insurance consistently does not cover is damage as a result of earth movement or flood . In many cases , earth movement coverage may be endorsed onto the policy but the only way to get coverage for Flood is by purchasing a separate Flood Insurance Policy . 