• Dwelling: Protects your home's structure and attached buildings
• Other Structures: For detached buildings like sheds or garages
• Personal Property: Replaces your belongings, though valuable items may need separate scheduling
  
• Loss of Use: Covers additional living costs if your home becomes unlivable
  
• Personal Liability: Assists with legal and damage costs if someone is injured on your property
  
• Medical Payments: Pays minor medical bills if a visitor is injured, regardless of fault

Most policies protect against perils like fire, theft, wind, and vandalism—but exclude events such as floods, earthquakes, and gradual water damage