What Does A Home Insurance Policy Cover? 
A homeowner 's insurance policy actually covers many items . Your dwelling -LRB- Coverage A -RRB- is perhaps the most important item that is insured . Unattached structures along with the personal property inside the home are covered on a standard home policy . The expenses you incur while living away from the home during a covered claim are also covered along with liability , medical payments to others . There may also be various riders , depending on the items and benefits that were important to you . As an experienced broker for more than three decades , it is our job to explain these benefits , and provide the lowest rates possible in your area , so you can compare the best options . 