What are the coverage characteristics for home insurance?

All home insurance companies offer differnet policies so this question is to general to answer correctly, but most insurance will cover:
Fire or lightning
falling objects
impact by vehicle or aircraft
water escape (from a pluming system)
windstorm or hail
vandalism or malicious acts
escape of fuel oil (maybe)

There are other coverages but the question is to general to determine if you are looking at a basic policy or a comprehensive and each insurance company is different.