What home insurance actually covers

## What this article explains

State the concept in one sentence and why it matters to the reader.

## What most people assume

List the common assumption or misunderstanding.

## What policy wording usually says

Explain the real coverage logic in plain language.

## What to check in your own policy

- Coverage trigger - Key exclusions - Sub-limits - Claim conditions

## Practical takeaway

End with a short, actionable conclusion.