Your policy will be comprised of various coverages. Some of these coverages will be applied automatically while others are options that you may choose to add
Dwelling: This takes care of any damage that may be incurred on your
What Is Homeowners Insurance? A First Time Home Buyer Guidephysical home as well as any building connected to the home, such as a garage.
Personal property: 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.
Medical coverage: this will pay for the necessary medical treatments for someone that happens to be injured while at your home
Additional structures: if you have items such as a toolshed or a fence on your property, this coverage will repair or replace those structures in the event of damage
Loss of Use: 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.