Homeowner Insurance Policies --- Don't Always Tell You What Is Covered

National insurance companies usually produce just one policy document they give out nationwide.

However, many States have laws on their books that dictate minimum coverages and exclusions.

For Example:  In Hawaii, it is not possible for a firm to exclude damage due to a lava flow.  Therefore, all policy holders in Hawaii have insurance in the event of a lava flow even though their policy may specifically state that they do not have this coverage.

I spoke to Hawaii's insurance commissioner myself, and was told to call his office if a firm every gave trouble.  If you find you are not being paid for something that you think should be covered, don't check your policy, check with your local insurance commissioner.

Do you know of other instances like this where State coverage may differ from the language in the policy?