Your policy should include four main types of coverage:
This type of coverage pays for the repair of rebuilding of your home in the event that it is damaged or destroyed by fire, hurricane, hail, lightening or other unforeseen disaster listed in your homeowners insurance policy.
The furniture, clothing, sports equipment, electronics and other personal items inside your home are covered if they are stolen or destroyed by fire, hurricane or other insured disaster listed in your insurance policy.
Liability Protection covers you against lawsuits for bodily injury or property damage that you or your family members cause to others. It also covers the damage caused by your four-legged companions (pets). This portion pays for both the cost of defending you and any court awards.
If your home is damaged to the extreme of being unlivable, this type of coverage pays for the additional costs of living away from your home. It covers hotel bills, restaurant meals and other expenses incurred during the rebuilding of your residence.
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