> Coverage for Structure:

    Protects the physical structure of your home or building, including walls, roof, floors, and foundation, from fire damage.

> Coverage for Personal Property:

    Covers the contents inside your home or building, such as furniture, electronics, clothing, and other personal belongings.

> Additional Living Expenses:

    Provides coverage for additional living expenses if you need to live elsewhere temporarily while your home is being repaired or rebuilt.

> Debris Removal:

    Covers the cost of removing debris and cleaning up the site after a fire.

> Replacement Cost or Actual Cash Value:

    Policies may offer replacement cost coverage (the cost to replace damaged property with new items of similar kind and quality) or actual cash value coverage (the cost to replace items minus depreciation).