Homeowners insurance, commonly known as home insurance, provides essential coverage for your house and its contents. Let’s break down what it covers:

Dwelling Coverage:
This part of your policy protects the physical structure of your home. If your house is damaged due to covered perils (such as fire, hail, or windstorms), dwelling coverage pays for repairs or rebuilding.
It includes the walls, roof, floors, built-in appliances, and other structural components.

Other Structures Coverage:
Beyond your main dwelling, this coverage extends to other structures on your property, such as detached garages, sheds, fences, or guesthouses.
If these structures are damaged by covered events, other structures coverage helps cover repair costs.

Personal Property Coverage:
This covers your belongings—furniture, clothing, electronics, and more. If they are stolen, damaged, or destroyed (again, due to covered perils), personal property coverage reimburses you.
Keep in mind that certain high-value items (like jewelry or artwork) may have coverage limits, so consider additional endorsements if needed.

Liability Coverage:
Liability coverage protects you if someone is injured on your property or if you accidentally damage someone else’s property.
It covers legal expenses, medical bills, and potential lawsuits.

Additional Living Expenses (Loss of Use):
If your home becomes uninhabitable due to a covered event (like a fire), this coverage pays for temporary living expenses (such as hotel costs or rent).
It ensures you can maintain your standard of living while repairs are underway.
Remember that homeowner's insurance doesn’t cover everything. For example:

Floods: You’ll need a separate flood insurance policy.
Earthquakes: These require specialized earthquake insurance.
Wear and Tear: Regular maintenance isn’t covered; insurance is for sudden and accidental events.

To get a quote, provide basic information about your house.