What Is Not Covered By Home Insurance? 
Polices can vary but assuming you have a special policy which is a policy that has the broadest coverage 's you are not covered for flood and your not covered for earthquake . Additional polices would need to be purchased to cover those perils . Other then that the best way to look at a policy in general is to ask yourself . Was the loss sudden and accidental . I recommend you discuss with your agent about the specifics of your policy . 