What does home owners insurance protect the home from?

Answer 1

It is based on the covered perils of your individual policy. The number and type of covered perils varies greatly from policy to policy, company to company, and endorsement to endorsement. It is pretty standard that most policies at the very least cover Fire, Theft, Wind, and Hail. Some policies cover much much more, such as Water, Collapse, Riot. If you have a policy, look at the covered perils section. If you don't have a copy of your policy call your agent and request one.