As a homeowner — and especially as a new homeowner — taking on a house can feel like suddenly needing a PhD in home repair and maintenance. And of course, you also need to know the ins and outs of your insurance coverage. However, when multiple myths flood the home insurance space, identifying the truth can be hard. So, what are these myths? And more importantly, what's true and what do you need to know about your home insurance policy to make sure you're fully protected?