Most people take a look at their insurance policies and are blinded by the confusion of it all. I can relate. It is a long, complex legal instrument that often has more lines dedicated to exclusions than coverages. That's why it's important to review your policy carefully with a qualified insurance professional. Especially one with a CIC designation.
Flood and Earthquake are often excluded from Home Owners, and many times policy owners are unaware of this. Sometimes, too, coverage for personal liability is covered, even on the golf course.