What Is Typically Covered By Homeowners Insurance? 
Typically a homeowners policy has several sections called coverages . The first coverage is for the residence itself . The second coverage is for related private structures located on the property , such as a shed , fence or swimming pool . The third coverage is personal property and that is commonly called , contents . The fourth coverage is for additional living costs and loss of rents should the residence become unfit for use . The next coverage is normally personal liability which covers you if you are sued for bodily injury or property damage . The next coverage is medical payments to others and provides limited medical care to an invited visitor who is hurt on your property . There are other incidental coverages . 