Great question! Home insurance policies come in different types like HO-3, HO-6 and others we've discussed here. The policy type explains what perils are covered or not covered, whether named or named-exclusions. Home insurance coverage types may vary by policy type. For example, renters' policies and condo policies do not include dwelling coverage. Standard homeowners insurance policies generally include: Dwelling coverage Liability coverage Personal property coverage Additional living expenses Medical payments to others