Is Home Insurance The Same As Contents Insurance? 
There are three basic coverages in a homeowners policy . There is coverage for the principle property -LRB- the home and the contents of the home . -RRB- There is coverage for incidental property -LRB- things outside the home but on the property , sheds , gazebos , etc. -RRB- and liability coverage . The contents are covered as a part of the principle property coverage and the limit is normally a percentage of the insured value of the house . 