Home insurance policy offers a number of coverages for homeowners. The main types of coverages that are included in a home insurance policy are dwelling, structural damages, personal property, loss of use, liability and medical costs. The homeowner will only get compensation from insurer if the peril is included in the insurance policy.
Dwelling coverage offers protection for the house and other structures annexed to the houses. For example, a dwelling coverage can offer compensation for damages caused to plumbing, electrical, air conditioning and heating systems.

Structures that are located in your property but not annexed to the house can also be covered by a home insurance policy. Examples of structures that are not annexed to the house include freestanding garage, fence, wood sheds, and etc.

Additionally, home insurance policy provides protection for personal properties in the house. It covers all kinds of personal properties including furniture, clothing, electrical appliances, and etc. If the property is lost in another place, it will also be covered.
Loss of use coverage will pay the fees of your living expenses such as rental fees and etc when your home is destroyed and you don’t have a place to stay.

Personal liability offers coverages for the financial losses if someone sues you after getting injured at your property. Personal liability coverage will pay for all the legal fees so that you don’t have to pay them.

Medical cost coverage offers compensation for the medical bills if a person accidentally gets injured on your property. It also covers the medical bills if your pet injures the visitor.