What Does Basic Homeowners Insurance Cover? 
A standard homeowners policy should include the following coverages : A. Dwelling B . Other Structures C. Personal Property D. Loss of Use E. Personal Liability F. Medical Payments Some carriers and states use different wording for these coverages from time to time and virtually every insurance carrier adds their own bells and whistles -LRB- some of which are very valuable and must have coverages -RRB- to make up their specific policies . Contact your local independent agent to discuss your home specifically and what coverages you need for your situation . 