Home insurance policies generally all include a few basic coverage components with a couple of variations depending on the provider. For the most part, home insurance policy will feature dwelling, other structures, personal property, loss-of-use, personal liability and occasionally medical payments insurance. Dwelling and other structure insurance cover most damage that a house, a garage and any other standalone structures like sheds or carports on a policyholder's property suffer. Personal property insurance covers the theft or damage of a policyholder's valuables on the premises of their property or, in some cases, anywhere in the world. For example, if your laptop is stolen while you're on vacation, your insurance might be able to cover it. Loss-of-use coverage takes care of any costs associated with a temporary move when the homeowner's house is not habitable for a period of time due to covered damages and the need for repairs that can't be done with people in the house. Personal liability coverage pays for costs associated with another party's injuries while on a policyholder's property, including legal and medical costs.