What are the different types of homeowners insurance?

A standard homeowners insurance policy includes the following coverages:

• Dwelling coverage is the basis for all homeowners insurance policies. It provides protection for the structure of your home including the floors, walls, built-in appliances and ceilings, as well as any attached structures. It also covers a variety of perils including fire, hail, theft and vandalism – and can help you rebuild your home in the event of a total loss (up to your policy limit).
• Contents coverage protects items including furniture and clothing in your home. If a covered incident were to occur, you would receive funds for the value of these items, as defined by your policy. Personal liability pays for damages that occur from certain accidents.
• Personal liability consists of bodily injury damage coverage, which covers costs if a guest sustains an injury in your home or elsewhere, and property damage coverage, which kicks in if your property is damaged as a result of a covered accident.

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