Getting homeowners insurance when you purchase a house is a non-negotiable. But while standard home insurance policies provide a high level of coverage and protection, they don’t cover everything—and in order to protect your home (and your investment), it’s important to understand what potential issues might fall outside your home insurance umbrella.

A recent article from realtor.com outlined the surprising things home insurance doesn’t cover, including:

The Takeaway:

So, what does this mean for you? If you’re thinking about buying a home, it’s important to understand the limits of your home insurance policy—and that you purchase additional coverage when necessary to protect your home.