If your home is damaged or totally destroyed by a covered peril, your homeowners insurance policy will cover the costs to repair or rebuild your home and additional structures on your property such as a detached garage or fence.
In addition to the building coverage, your personal contents such as furniture, clothing, jewelry, etc., are covered by your homeowners policy up to the policy limits. If someone is injured in your home, liability coverage is designed to protect you from a liability claim.
Additional living expenses. If you're temporarily displaced due to a covered claim, the homeowners policy will cover expenses, such as hotels and food, until you can return to your home.