Personal property coverage is for personal items such as clothing, dishes, jewelry, furniture, electronics and everything else you own. It covers damage from common problems such as smoke, fire, vandalism and theft.
Liability insurance can pay out if you’re sued by someone else over accidental injuries or property damage. This includes court judgments and the cost of your legal defense.
Medical payments coverage pays for small medical expenses that you’re blamed for regardless of who is really at fault, with coverage amounts usually starting at $1,000.
Additional living expenses coverage pays for hotel bills, restaurant meals and other extra expenses when you can’t live at home because of damage covered by the policy, such as a tornado or explosion.