Take a look at this article that provides some insight into what home insurance covers and what it does not.
http://realestate.aol.com/blog/2010/10/04/home-insurance-whats-covered-and-whats-not/
Home insurance can be baffling, but it doesn't have to be. Kent Stewart of Insurance Professionals of Arizona has years of experience in dealing with all kind of home insurance scenarios. Give Insurance Professionals of Arizona a call today for your free quote with over 20 carriers. We can find what fits for you and your home!