What Is Covered Under Home And Contents Insurance? 
You seem to be describing a Homeowners Insurance Policy , or at least a portion of such a policy . Your home and personal property are covered for loss or damage due to a range of perils listed in your policy . Talk to your Insurance Professional about the specific terms and conditions of your policy . Any loss of course would be settled subject to your policy deductible . Keep in mind that in addition to what is covered , there are usually if not always two particular perils that are excluded from coverage , namely earth movement and flood . Earth movement may be endorsed onto your policy , but the ownly answer to cover yourself from loss due to a flood is separate Flood Insurance . 