Dwelling covers the physical structure of your home, such as the walls, foundation, roof, and siding.
If you have buildings on your property other than the primary residence, such as a separate garage, carriage house, greenhouse, or shed, this coverage would protect those structures.
The belongings inside your home such as furniture, electronics, clothing, collectibles, and other items that are stored inside your home are insured by this type of insurance.
Liability insurance can cover you in the event that a visitor makes a claim against you after being injured on your property.
GUEST MEDICAL PROTECTION
If someone is injured on your property, this type of coverage can help pay for their medical bills.
Depending on the carrier you choose, more protections may be included in your policy. Extra coverage certainly is advisable depending on the value of your home, the location, and unexpected events that can arise.
One valuable source of additional protection is Reimbursed Living Expenses Coverage. This type of insurance can help pay for a hike in living costs after a covered loss, such as a hotel stay if your house became uninhabitable.