Your home is likely one of your biggest investments—and home insurance helps protect it from the unexpected. Here's a breakdown of the main types of coverage included in most standard policies:

Dwelling Coverage: Covers the structure of your home—walls, roof, floors, built-in appliances—if they’re damaged by events like fire, windstorms, or vandalism.

Other Structures Coverage: Covers detached structures like fences, garages, sheds, or guest houses on your property.

Personal Property Coverage: Replaces or repairs belongings inside your home, such as furniture, electronics, and clothing, if they’re stolen or damaged.

Liability Protection: Helps cover legal expenses and medical costs if someone is injured on your property or you accidentally damage someone else’s property.

Loss of Use (Additional Living Expenses): Covers hotel stays, meals, and other living costs if your home becomes uninhabitable due to a covered loss.

Medical Payments Coverage: Pays for minor injuries that happen to guests on your property, regardless of who’s at fault.

Some policies also allow you to add flood or earthquake insurance, especially if you live in high-risk areas—those aren’t typically included in standard policies.