What Is Covered Under Home Insurance? 
Home insurance is designed to cover sudden and accidental losses . Home insurance is not a maintenance policy and it does not cover long term damage or wear and tear . Home insurance provides coverage for your dwelling , other structures -LRB- fence , shed ect . -RRB- , personal property and liability coverage . There are several optional coverages available including Water/Sewer Backup , Law and Ordinance , Earthquake , ect . You also want to make sure you purchase a Replacement Cost policy which will provide full value for your home , not a depreciated amount . 