If you own a home and you have a mortgage on that home, your lender is going to require you to have property insurance. The insurance protects you, but your lender is more concerned with protecting its collateral. The thing is, most homeowners policies are so full of loopholes these days the protection may be a lot thinner than anyone realizes. Most people know about the exclusion for flood damage. You have to have a separate policy, sold via the government, to cover that. Hurricane damage generally is covered, but not the floods caused by a hurricane, which unfortunately is what more often than not destroys your home, as thousands of Gulf Coast residents can attest. But losses from a whole lot of other things aren't covered either, such as nuclear action and war. Those may seem like remote possibilities today. But do you really want to find yourself facing off with insurance company if the "war" on terrorism somehow reaches your community? In our lead story, assistant personal finance editor Andrea Coombes looks at homeowners insurance and tells you what surprises may be lurking in your policy and what you can do about them. Read her story, plus see how one exchange-traded fund provided is seeking to push the investment vehicles into more 401(k) plans and check out Marshall Loeb's tips for job-hopping your way to the top, on Monday's Personal Finance pages. You expect insurance to protect you from the unexpected. But it looks like the insurance companies have already anticipated a lot of unanticipated events and expect you to just fend for yourself. Steve Kerch, assistant managing editor/personal finance INSURANCEHomeowners are often surprised by what their insurance doesn't cover After Hurricanes Katrina and Rita struck last year, homeowners in Louisiana and Mississippi learned what disaster victims elsewhere already know: Homeowners' insurance policies are not all-encompassing. But consumers all too often buy those policies without fully understanding the product. See full story.CONSUMER WATCHErrant e-mails nothing more than another stock scam The e-mail was sent Wednesday by someone named Francisco. It started with the words "Hi Francisco." I thought, "What are the odds?" Francisco the writer was hoping that he had the right e-mail for Francisco the recipient. He had been glad to meet the second Francisco and after some grammatically incorrect small talk about visiting New York he followed up on a deal the two had purportedly talked about the other day by dropping the name of a hot stock. See Chuck Jaffe.The 10 biggest problems with wireless and how to fix them Cell phones keep getting fancier. But the old problems never seem to go away. Today, you can get gadgets that let you browse the Web, locate the nearest restaurant or even watch live TV. But customers are still griping about hassles that have plagued cell phones since day one. Networks often drop your calls, and coverage can be spotty, even in big cities. Then there are the nontechnical issues, like surprise charges, inscrutable bills and poor customer service. See story from WSJ.com.INVESTINGWhat to watch out for with fund changes in retirement plans It was the kind of notice that millions of mutual fund investors get -- and ignore -- over the course of the year, a simple two-page message about a change of funds in the retirement plan. Like most notices that retirement funds are being changed, it was probably greeted with a shrug of the shoulders and a sigh of resignation. But investors in retirement plans across the country can learn something from the subtle changes that went into effect in early October in the Savings Plus Program for California state employees. See Chuck Jaffe.Provider of packaged ETF portfolios eyes 401(k) plans, annuities An investment firm that offers ready-made exchange-traded fund portfolios to financial advisers could be paving the way for its ETF strategies to reach the larger retirement and insurance markets. See ETF Investing.Texas-based fund manager finding stock values in Europe, Asia With the Dow Jones Industrial Average at record highs, lingering uncertainty about the direction of U.S. interest rates, and an important midterm congressional election looming, mutual-fund manager Mark Coffelt is heading overseas. See The Stock Pickers.