Dwelling
This portion of your homeowners insurance helps to pay for repairs and rebuilding expenses if your house is damaged or destroyed by a covered peril.
Personal Property
Your personal possessions receive protection, too. This helps to pay for items in your house (furniture, clothing, electronics, etc.) if they are damaged, stolen, or destroyed due to a covered peril.
Other Structures
This covers damage done to structures not attached to your house, such as a detached garage, storage shed, or fences.
Personal Liability
This coverage will pay to defend you in court against lawsuits and helps if you are found legally responsible when someone gets injured or their property gets damaged.
Loss of Use
If your home is uninhabitable after a covered loss, your insurance will help you afford temporary housing, food, and other essential expenses.
