Dwelling

Dwelling coverage helps pays for damage to the structure itself caused by sudden, accidental events like fire, wind, lightning, falling objects and vandalism. This is the coverage most homeowners think of first when selecting insurance.

Contents

Contents coverage is just that — it covers what’s inside your home. I’m talking about everything from furniture and electronics to pots and pans. If these items are lost or destroyed by a covered event, your policy can help pay to replace them.

Liability

The third component of your home policy is liability coverage. It helps protect you from loss in case you’re financially responsible for injury to others or damage to their property. This coverage extends beyond your home and in fact follows you anywhere in the world.