You can buy a dwelling policy that covers only the structure of your house, but most homeowners buy a policy that combines five different coverages in a single policy:
- Dwelling pays for damage or destruction to your house and any unattached structures and buildings, such as fences, detached garages, and storage sheds.
- Personal property pays for theft, damage, or destruction of the contents of your house, including furniture, clothing, and appliances.
- Liability protects you against financial loss if you are sued and found legally responsible for someone else’s injury or property damage. A homeowners policy automatically provides $25,000 in coverage. You can buy up to $1 million in coverage for an extra premium.
- Medical payments pays medical bills for people hurt on your property. It also pays for some injuries that happen away from your home, such as your dog biting someone. A basic homeowners policy pays $500 in medical bills. You can pay extra and get up to $5,000 in medical payments coverage.
- Loss of use pays your additional living expenses (temporary housing, food, and other essential expenses) if you must temporarily move while repairs are made. Most policies pay 10 to 20 percent of the amount of your dwelling coverage.
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