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Standard types of homeowners insurance coverage

Again, depending on where you live, a typical homeowners policy may have the following coverages with varying deductibles and limits:

  • Dwelling coverage. Protects the structure of your house, such as the roof and walls
  • Personal property coverage. Protects what's inside your home, like furniture, even if it's damaged or stolen outside the house
  • Other structures. Protects the physical structure of buildings on your property separate from your home, such as a detached garage
  • Liability protection. Defends and protects you if a person sues you after being injured on your property or after you damage their property
  • Guest medical protection. Pays medical expenses for someone who's injured on your property
  • Additional living expenses protection. Covers increased expenses if your home is uninhabitable after a covered loss