Standard Home Insurance Coverage
 

Dwelling Coverage

Dwelling coverage helps protect the physical structure of your home, like the walls, roof and any attached decks or garages. Another type of coverage is Other Structures protection for additional buildings on your property such as sheds or detached garages.
 

Personal Property Coverage
 

Personal property coverage can help protect the items in your home, like your furniture. Your belongings are likely worth much more than you might think, and if they're damaged or lost, personal property coverage could help you cover the cost of replacing them.
 

Family Liability Coverage
 

Family liability protection can help if you or one of your family members is found legally responsible for another person's injuries or damage to someone else's property.
 

Guest Medical Protection

Guest medical coverage is included on most residential insurance policies and can help pay for medical bills of a guest that is accidentally injured on or around your property. Accidents happen, and guest medical insurance can help you be prepared.