- Dwelling: Covers damage to the physical structure of your home.
-Other Structures: Covers detached structures such as garages and sheds.
-Personal Property: Covers your belongings, such as furniture, appliances, and electronics.
-Loss of Use: Covers additional living expenses if you are unable to live in your home due to a covered loss.
-Personal Liability: Covers you if someone is injured or their property is damaged on your property.
-Medical Payments: Covers medical expenses for guests who are injured on your property, regardless of who is at fault.
In addition, homeowners can add endorsements or riders to their policy to provide additional coverage for specific needs. For example, you can add flood insurance, earthquake insurance, or jewelry coverage.
