Dwelling coverage can pay to repair or rebuild your house and other structures caused by fire, wind, hail, tornadoes, falling trees/limbs, ice dams, roof damage, and other covered perils.
Example: You're protected if your roof caves in from the weight of snow, damaging interior components such as walls, kitchen cabinets, and countertops.
Temporary living expenses
If you're unable to stay at home during repairs due to a covered loss, temporary living expenses (also known as "loss of use" coverage) can pay for additional living expenses above what you'd typically pay, up to your policy's limits.
Example: A tree crashes through your roof, and you're unable to live in your home while the repairs are made. You're covered for the cost of a hotel stay and meals, above what you normally spend on groceries.
Personal liability insurance protects your assets if you or your family members are financially responsible for someone else's damage or injuries. Additional coverages are available for libel, slander, and other lawsuits.
Example: A delivery person falls on your steps, breaking their arm and damaging the merchandise. If you're liable, your homeowners insurance can cover their medical bills and lost wages, as well as the damaged merchandise.
Personal property insurance coverage pays to repair or replace furniture, clothes, electronics, appliances, tools, power equipment, and other belongings if they're destroyed in a covered occurrence. For more expensive items, such as jewelry or art, you may need to "schedule" the item, also known as adding a rider to your house insurance policy.
Example: Someone breaks into your car and steals your cellphone and hundreds of dollars' worth of tools/equipment. Your home insurance can pay to replace the stolen items, up to the limits of your policy and minus your deductible.