Most types of damage that may happen to a home. This usually excludes damage that results from a lack of proper maintenance on the home and property. 

Damage or loss of personal property is covered up to a certain amount. It is important to keep an inventory of your belongings and their estimated value. Depending on the amount of their value, you may wish to purchase additional coverage to make sure you are fully protected. 

Injury or damage to someone else or their property that is caused by someone in your household. This may include incidents that happen outside your property, such as breaking a neighbor’s window. 

If your home needs to be rebuilt, or you cannot live in your home while extensive repairs are being performed, a typical policy will provide money for your family to stay somewhere else until the work is complete. This includes the cost of meals up to a specified daily amount. 

Flood and earthquake coverage must typically be purchased separately if your house is in an area where this is needed. 

Jewelry, furs, artwork and certain other valuables may need a separate contents policy to be fully protected. 

Common areas of a condo, townhouse or co-op development are typically not covered by an individual home policy. You should make sure the building has insurance for these areas.