HO-2 policies only cover 16 named perils. This includes fire, windstorms, lightning, and vandalism. Anything not listed in the 16 named perils is excluded. HO-3 policies are open peril and anything is covered that isn’t excluded. However, HO-3 policies specifically exclude the settling, cracking, bulging, or expansion of foundations. It also excludes any deterioration or normal wear and tear.
Although you can’t get the cracks covered, it’s recommended that you get them fixed as soon as possible. If a covered event or loss were to occur, you want to be sure prior damage won’t impact a future claim. In the future, a home warranty or an emergency fund might be a good option.