Your home: includes complete rebuild coverage of your house. There is also optional coverage available, such as sewer backup and earthquake damage.
Your belongings: if your personal items are stolen, lost, or damaged, you’ll get help paying for your stuff.
Personal Liability: bodily injury or physical damage are included in this coverage. For example, if you haven’t cleared your steps outside your house and the delivery man slips and falls, you may be sued.
Add Ons: this coverage protects you against the specific perils that you’ve detailed in your home insurance policy. E.g. floods, earthquakes, etc.