Wondering if your house insurance covers foundation problems? This article breaks down what insurance actually protects when your home's foundation takes a hit, what it usually excludes, and the sneaky scenarios that might surprise you. We’ll show you the biggest misconceptions, offer tips to spot trouble before it gets expensive, and share advice for arguing your case with an insurer. By the end, you'll know exactly what to expect if cracks show up in your home—and what to do next.