Property: This portion of your policy protects the structure of your house. You can be reimbursed for damages if a covered event occurs, such as weather damage, theft or fire. Depending on the details of your policy, your detached garage and/or shed may also be protected by this coverage. 

Contents: This coverage protects your personal belongings within the home, such as furniture, clothing, artwork, computers and more. It’s a good idea to create a personal inventory; this can help you can more accurately estimate the overall value of your belongings, allowing you to get the right amount of coverage. 

Liability: In the event that a guest is injured on your property or other damages are sustained, this coverage can provide reimbursement for medical expenses and any associated legal expenses. Liability coverage is especially important if you have a pool or trampoline, as they can pose significant injury risks.