Dwelling coverage, the most simple type of home insurance coverage, protects the structure of your house against covered perils such as fire, wind, lightning, and hail. You should have enough dwelling coverage to rebuild your house from the ground up should it be destroyed by a covered event. 

Be warned! Seperate policies are needed for both flood and earthquake coverage!

Other structures protection does exactly that! It protects other structurs that are on your property such as shed, detached garages, and fences from the covered perils.

Personal Property coverage protects your possessions in case they’re stolen or destroyed by a covered peril. Electronics, clothing, and furniture are among the items in this category. 

Personal Liability protection helps if someone sues after being hurt on your property or suffering property damage because of an event caused by your or a member of your household. It can pay for your legal defense and for any settlement or award in the lawsuit, up to your coverage limits. You also can be protected from injuries caused by your pets. 

Loss of Use coverage kicks in if your house becomes uninhabitable because of a covered event. While it’s being repaired or replaced, this coverage helps with your living expenses, including hotel and restaurant bills.

Medical Payments coverage helps if you’re responsible for the injuries of someone who does not want to sue. It can pay medical expenses up to your coverage limit.