Property damage protection—This portion of your policy helps protect against losses related to property damage or theft:

Dwelling offers protection from damage to the structure of your home, including fixtures, plumbing and heating, due to a covered loss like fire or hail storm damage. It would be best if you had enough coverage for rebuilding or repairing your home, less the cost of the land. 

Detached structures coverage covers other buildings on your property, such as fences, carports, gazebos and detached garages.

Possessions insurance covers your home’s contents and personal items such as furniture, clothing, and sporting goods. It also extends to your personal belongings anywhere in the world.

Loss of use helps cover losses if you’re forced from your home, such as because of a fire; failure of service provides a safety net for additional expenses over and above your everyday living expenses. At the same time, you cannot live in your home up to the policy limit. 

Liability coverage—This covers lawsuits for bodily injury or property damage that you or your family members may cause to other people. It pays for both the cost of litigation and any court awards, up to your policy limit. It covers you whether you are at home or away.