From the WA state Office of the Insurance Commissioner (other states may vary).

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What's covered?

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Homeowner insurance is divided into two parts: property protection and liability protection. You also need to know what is excluded.

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Part 1: Home insurance property protection

• Dwelling

• Other structures

• Personal property

• Loss of use or additional living expenses

• Additional coverages

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Part 2: Home insurance liability protection

• Medical payments

• Liability

• Personal liability

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What's not covered?

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There are several major risks that a standard homeowner policy does not cover. If you face these risks, you should strongly consider buying additional coverage.

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Earthquake insurance:

This coverage provides for repair or replacement of your home due to an earthquake.

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Flood insurance:

You'll need flood insurance to cover you against floods, flood-related erosion, abnormal tidal surges and mud flow.

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Homeowner insurance and landslides

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Homeowner policies usually don't cover damage due to land movement or landslides.

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Homeowner insurance and mold:

Some companies will allow you to buy additional coverage for mold.

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Volcano coverage for your home and auto:

Not all damage caused by a volcanic eruption is covered under your homeowner policy - you may need more coverage.

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Other common things your basic policy doesn't cover:

• Wear and tear, deterioration

• Maintenance issues, including slow water leaks

• Damage due to animals or rodents

• Foundation settling and cracking