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Homeowners insurance typically covers a range of risks and liabilities. It generally includes coverage for damage to your dwelling, other structures on your property (like a detached garage), personal belongings, liability protection in case someone is injured on your property, and additional living expenses if your home becomes uninhabitable due to a covered event. However, specific coverage can vary depending on your policy, so it's essential to review your policy documents and discuss your needs with your insurance agent to ensure you have the right coverage for your situation.

No, standard homeowners insurance typically does not cover damage from floods or earthquakes. Separate policies or endorsements are usually required to protect your home against these specific risks. You can inquire about obtaining flood insurance through the National Flood Insurance Program (NFIP) or inquire with your insurer about earthquake coverage options. It's important to assess the need for these additional coverages based on your location and potential exposure to these risks.

Yes, you can usually make changes to your homeowners insurance policy mid-term. Common mid-term changes include updating your coverage limits, adding or removing endorsements, and changing your deductible. However, it's essential to contact your insurance provider to discuss any changes and understand how they might affect your premium. Keep in mind that certain changes may require underwriting approval, and some could result in adjustments to your policy premium.