What Does Home Insurance Protect Against
A standard homeowners policy (also known as an HO-3 policy) generally protects your home and your personal property from damage caused by:
Fires or lightning
Windstorms (including hurricanes and tornadoes) or hail
Theft or vandalism (sometimes called malicious mischief)
A standard home policy won't typically cover damage caused by floods or earthquakes. Other exclusions can include water damage, mold or fungus, vermin, and wear and tear or deterioration.
Other Structures :
Insures the unattached structure on your property
Additional living expense coverage:
Helps pay to relocate you if you have to leave your home temporarily due to a covered loss.
Covers your personal belongings either in the home or on the go.
Helps pay medical bills to those injured on your property.
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The descriptions of coverages are necessarily brief and are subject to policy provisions, limitations and exclusions that can only be expressed in the policy itself.