There are a wide variety of coverage options available to you that offer different benefits and protections. These include:
Possessions insurance—This type of coverage insures the items within your home. You can choose to only insure particularly expensive items like electronics and furniture, or you could expand your coverage to include things like clothes or books. You may also consider purchasing a scheduled items rider to cover your possessions further, depending on the value of the property you want to insure.
Additional living expense protection—If a covered incident occurs that requires you to live away from your home for a while, this portion of your policy helps to cover living costs like food expenses and hotel bills until you can return to your home.
Structure protection—This type of coverage protects the physical structure of your home. You are insured against damages from inclement weather, fires, theft and other incidents. You may also choose to insure other structures on your property that are not directly attached to your house, like fences, gazebos or carports.
Liability coverage—This portion of your policy protects you from costs incurred by third-party injuries or property damages for which you are liable. This type of coverage usually covers incidents both on and off your property.