Home insurance policies are made to protect you, your home and its contents. A general home insurance policy comes with:
Dwelling Coverage: This helps pay for damages done to the actual house and its attached structures — such as a garage — as a result of covered incidents. Covered incidents generally include fire, hail, windstorms, lightning, vandalism and theft.
General Liability: This helps pay medical expenses or damages if you cause bodily injury or property damage to someone else.
Personal Belongings Coverage: Also known as personal property coverage, personal belongings coverage offers either replacement value or cash value for items lost or damaged due to a covered incident. It covers furniture, clothes and more. But it won't necessarily cover expensive jewelry or art. This coverage also applies to items off the property.
Additional Living Expenses: If a disaster sweeps in, additional living expenses helps if you must temporarily live somewhere else.