Standard homeowners’ insurance covers dwelling protection (the structure of your home), other structures like garages or fences, personal property inside the home, liability protection, and additional living expenses.
If you have high-value items like jewelry, electronics, and art, you may need to purchase add-on protection for an additional cost. Also, most providers do not include coverage for certain types of natural disasters like earthquakes and floods. You would need to purchase add-on coverage for those instances.