Most home insurance companies offer policies to help protect your home and the structures directly attached to it. Dwelling coverage
helps pay the costs to repair or rebuild your home and its attached structures if they’re damaged in a covered loss, like fire, hail or lightning.
If someone who is not a resident of your household suffers an injury or property damage for which you are legally responsible, personal liability protection
can help cover your legal defense costs and any court judgments against you, up to your policy limits.
Homeowners insurance protects structures that are not directly attached to your home. For example, if your detached garage is damaged, other structures coverage
can help with the repair costs.
Temporary Living Expenses
Loss of Use Coverage helps pay for your living expenses, up to your policy limits, if your home is unlivable after suffering a loss. If your house has significant fire damage, this type of homeowners insurance covers your stay in a hotel while the repairs are being done.
Medical payments coverage helps pay emergency medical bills if someone who isn’t a resident of your household is injured on your property. Insurance also covers injuries caused by a member of your family or pet, regardless of where it happens. Bills are paid, up to policy limits, whether you’re legally responsible or not.2