This takes care of any damage that may be incurred on your physical home as well as any building connected to the home, such as a garage.
This takes care of either the price to replace or fix any item in the home that may be damaged. Personal items include clothes, dishes, furniture, appliances, curtains, etc.
this will pay for the necessary medical treatments for someone that happens to be injured while at your home
if you have items such as a tool shed or a fence on your property, this coverage will repair or replace those structures in the event of damage
if the damage to your home forces you to temporarily live in a hotel or some other arrangement, this will cover extra expenses like meals and moving costs while you wait for the repairs to be finished.