Yeah, I'm aware of the flood thing, I just didnt know what the typical stance was on hurricanes as we have tornados up here but no hurricanes. To simplify if you have damage from rain and wind you should be protected even without flood insurance??
Generally correct, but again, read your insurance policy to verify the exact details as they can and will vary a little, and on rarer occasion a lot, from state to state (the state regulates what can, can't, must, and must not but be included in all insurance policies sold in their state and each state determines their own stipulations), and to a lesser extent by the individual insurance companies within the state exercising what little leeway the state may have allowed them to have in their policies (same thing here, most policies from all insurers within a state tend to be very similar but there can be small differences and on rarer occasions more major ones if it is one of the rarer things the state is allowing more latitude with).
While there are other parts of the coverage of your homeowner's policy (liability, living expenses, etc, etc), the following should help you to better understand the two biggest/most used portions of your homeowner's coverage, your dwelling coverage (the physical structure of your home itself), and your personal property coverage (all you personal property belongings such as your furniture, your pool cues, etc, which by the way are generally covered not just inside the home but regardless of where they are located anywhere in the world) when you go to read your policy (and of course there can be exceptions here too for certain things, make sure to read your whole policy).
For the dwelling portion of your homeowners coverage, it generally covers you against anything and everything that could happen to your home "except...", and then it specifically names the things that it would not be covered against (ground water and water backups, mechanical breakdowns, damage from war, etc). So for your dwelling coverage, you are covered for anything not specifically mentioned as being excluded. The personal property portion of your homeowner's policy is generally written in the exact opposite way, essentially saying that your personal property is not covered for anything at all that could happen to it "except...", and then it lists all the things that your personal property is covered against (theft, fire, etc). So for your personal property, anything not specifically listed as being covered for would not be covered.