What four things are usually covered by homeowners insurance?

Four things usually covered by homeowners insurance are dwelling coverage, other structures, personal property, and liability, which together protect your home and belongings against covered perils. Dwelling coverage protects the structure of your home itself, including roof, walls, foundation, gutters, fascia, and soffit, against damage from covered perils such as windstorm, hail, fire, lightning, and weight of ice and snow, paying to repair or rebuild home up to policy limit, which is important when gutters are damaged by storm. Other structures coverage protects detached structures like garage, shed, and fence, typically at 10 percent of dwelling limit. Personal property coverage protects your belongings inside home, such as furniture, electronics, clothing, and appliances, against theft, fire, and other covered perils, both at home and sometimes away from home. Liability coverage protects you if someone is injured on your property and sues, covering legal fees and medical expenses up to policy limit, for example if gutter falls and injures visitor. Most policies also include additional living expenses or loss of use that pays for temporary housing if home is uninhabitable due to covered damage. Standard policies cover sudden accidental water damage from burst pipes or ice dams backing up, but exclude flood, wear and tear, and maintenance issues like damage from clogged gutters that overflow due to neglect, which is considered homeowner responsibility.