Buying home insurance is supposed to mean you're covered when disaster strikes — and in many ways, it does. But there are some surprising exclusions in standard policies that could leave your home exposed to uncovered damage.
If you live in a flood-prone area, for example, you might need to double-check your coverage and buy additional flood insurance to cover the gaps. Such natural disasters typically aren't covered by standard home insurance. Yet, the number of homes with flood insurance in the United States fell to just 3.3%.
