Policies can vary quite a bit depending on your circumstances, but most at minimum include:

• Dwelling Coverage: Coverage for the physical structure(s) on your property (e.g., the house or building and anything attached to it)
• Liability Coverage: Coverage for any injuries or damages that occur on your property (or possibly even elsewhere)
• Property Coverage: Coverage for the possessions you own inside the house or building
• Additional Living Expenses Coverage: Coverage to pay for lodging expenses if you are displaced by a disaster on your property