Standard home insurance coverage policies provide the following types of coverage, up to the limits outlined in the policies:
DWELLING — Pays for damage or destruction to your house and any unattached structures and buildings. Examples include fences, attached garage, or patio cover.
PERSONAL PROPERTY — Covers the contents of your house, including furniture, clothing and appliances, if they are stolen, damaged, or destroyed.
LIABILITY — Protects you against financial loss if you are sued and found legally responsible for someone else’s injury or property damage.
MEDICAL PAYMENTS — Covers medical bills for person(s) injured on your property.
LOSS OF USE — Pays for additional living expenses if your home is uninhabitable due to a covered loss. Most standard Florida Homeowners Insurance policies pay 10% to 20% of the amount of your Dwelling coverage.