While your car maybe the second most expensive item you own, your home is number one. It is the place where you and your family live. The things you cherish is the most literally, kept under one roof; but what if something happens to your most expensive purchase? Most folks never read the policy to understand what is-and is not-covered. Well, not until something happens and they are forced to file a claim. That is when the ugly truth can set in, since they may have been paying for the wrong level all along.