The only way to determine exactly what your home insurance does cover is to know your own home insurance policy intimately. Home insurance does not cover anything and everything associated with a home. However, insurance may have a top level of coverage in its own right concerning an individual's property. Know exactly what you are paying for and what is protected by your home insurance coverage.

Although home insurance has its limitations, having these limitations does not mean your property is not protected. Under policy guidelines, some general items home insurance does not cover are: 

--      Any type of flooding involving the home and property

--      Any kind of damage resulting from termite infestation

--      Any kind of damage from earthquakes

--      Any damage resulting from mold growth

--      Any pets hurt on or stolen from your property

--      Any damage done to vehicles, motorbikes, or boats

Although home insurance does not cover the above items, insurance can be customized to fit anyone's needs. Some of the items you can generally count on to be covered under insurance are:

--      Any possessions you and your family have

--      Any personal contents of your home

--      Any personal items of your houseguests

--      Space around your home, including gardens

--      Living expenses for yourself and family should your home be suddenly unlivable due to extensive damage

--      Security against theft and fire

If you would like further information on home insurance coverage, go to www.nachi.org.