What Should A Good Home Insurance Policy Cover? 
That is a great question ! The average policy will cover the structures on the property , home , garage , etc. . It will protect against the ` normal ' dangers of fire , wind , hail and lightning . If you live in an area that is prone to flooding , earthquakes , or hurricanes the coverage for these may be included in a rider , or may need to be purchased separately . The policy will also include some coverage against being sued ; It is usually pretty specific in what it will cover , and for how much . I hope that helps , thanks for asking ! 