Many homeowners assume their insurance policy will cover every unexpected event—but that's not always the case. Misunderstanding what home insurance includes can lead to costly surprises when it's time to file a claim. From believing all natural disasters are covered to assuming renovations don't affect coverage, these myths continue to mislead property owners. Separating fact from fiction is essential for protecting your home and your finances. By understanding how home insurance really works, you'll be better equipped to choose the right coverage and avoid common mistakes that could leave you underinsured.