What Does My Homeowners Insurance Cover? 
A homeowners policy is a package policy . It combines coverages . The primary coverages are property and liability . Depending upon the form being used the residence , contents , attached structures and non-attached structures on the property are covered against damage from specific perils . The liability coverage pays for legal defense and judgments arising from personal injury or property damage to the limits of the policy . This package provides value and covers most contingencies that come from owning a home . 