Protects against damage to your home itself, like the structure or roof. Your coverage amount should be equal to the cost that would be required to rebuild your home.
Protects against damage to detached structures on your property, such as your garage, pool, fence, or mailbox.
Reimburses you if your personal belongings (furniture, electronics, kitchenware, etc) are damaged or stolen.
Additional living expenses
Covers costs pertaining to temporary lodging and meals if your home is not safe for dwelling.
Reimburses you if you’re sued for accidental injury or property damage to others (think dog bites or if someone breaks their ankle after stepping off your front porch).
Covers the costs of minor injuries if someone who isn’t a resident of your home is injured on your property.