Homeowners insurance can include several core areas of protection, depending on the policy and the options selected. In many cases, coverage may help protect the dwelling, detached structures, personal belongings, personal liability, and certain additional living expenses if the home cannot be occupied after a covered event.

Dwelling coverage is usually the core of the policy because it relates to the home itself. Other structures coverage may apply to detached garages, fencing, sheds, or similar features on the property. Personal property coverage may help protect belongings inside the home, while liability coverage may help in covered situations involving injury or property damage affecting others.

Some policies may also include loss-of-use coverage, which can help with certain temporary living costs if the home becomes unlivable after a covered loss. Looking at these protections together often gives a more accurate picture than focusing only on the premium.