To begin with, they all provide coverage for the following:
Dwelling. This is your home plus its attached structures, fixtures, appliances, plumbing, heating, permanent air conditioners, and wiring. Other structures. This includes detached structures — garages, storage sheds, fences, driveways, patios, sidewalks, and retaining walls. Personal property. This includes the contents of your home and other personal items owned by you or family members who live with you. Loss of use. This provision covers your expenses if you can’t live in your home while repairs are being made.
Protection from Peril
Homeowner’s policies cover your property for some or all of the following 17 disasters:
Fire or lightning Windstorm, including hurricanes and tornadoes, and hail Explosion Riot or civil commotion Damage caused by aircraft Damage caused by vehicles Smoke Vandalism or malicious mischief Theft Breakage of glass that is part of the building and damage caused by that breakage Volcanic eruption Falling objects Weight of ice, snow, or sleet Accidental discharge or overflow of water or steam from a plumbing, heating, air-conditioning, or automatic protective sprinkler system, or from a household appliance Sudden and accidental tearing apart, cracking, burning, or bulging of a steam or hot-water heating system, air-conditioning, or automatic fire-protective system Freezing of a plumbing, heating, air-conditioning, or automatic fire-protective sprinkler system, or of a household appliance Sudden and accidental damage from artificially generated electric current
