You can protect against damage or destruction to:

• a single-family house
• a multi-family house (up to four families, unless you purchase special insurance)
• a townhouse
• a row house
• a mobile home

Outbuildings
Unless attached to the main dwelling (an attached garage, for instance), outbuildings, unattached structures (e.g., sheds), fences, driveways, sidewalks, and permanently installed fixtures are also protected against damage or destruction if they are on the insured property. Outbuildings used for business purposes, however, are not covered.

Personal Property
Things you own or that are in your care are also protected if it is on your property. Usually you can also be covered for property in your possession while you are away from your home; check your policy for the limits allowed. There are limits on all claims related to personal property. While away from your home, business items, your car, camper, and CB radio are usually not covered. However, other owned personal items stolen from or damaged in your car, a rental car, or at a temporary residence such as a hotel can be claimed if they are not considered permanently installed, as in the case of a permanently installed navigation or entertainment system. Also not usually covered is the personal property of guests and domestic employees while their property is in your home.

High-Value Personal Property Insurance
If you have valuable items you want to protect, you will probably need additional coverage because the limits on these items is probably too low to protect your investment. A personal property floater, rider, or endorsement to your policy can be purchased to cover the retail cost of the item if you maintain purchase receipts of your valuable items and name them as covered in the floater, rider, or endorsement.