The most common home insurance coverage is typically a standard package that includes dwelling coverage, personal property protection, liability insurance, and additional living expenses. Dwelling coverage protects the structure of the home against risks such as fire, wind, and vandalism. Personal property protection covers the contents of the home, like furniture and electronics, from similar risks. Liability insurance offers financial protection if someone is injured on your property or if you accidentally cause damage to someone else’s property. Additional living expenses coverage helps with costs if you need to temporarily relocate due to a covered loss. This combination of coverages provides a comprehensive safety net for homeowners against various risks and unexpected events.