A standard home insurance policy features several parts, including coverage of the home and detached structures, such as:

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Garage

Shed

Swimming pool

Guest house

A standard policy may also provide some limited coverage for landscaping. You can obtain additional coverage for landscaping by purchasing an endorsement on the home insurance policy.

Keep in mind, though, that home insurance does not provide coverage for some types of losses, such as damage from floods and earthquakes. You need separate policies or riders to provide insurance for damages not covered by the standard policy.

Additional home insurance coverage

In addition to the home and "other structures," home insurance also provides coverage for things such as:

Personal belongings

Additional living expenses if you can't live in the home following a disaster

Financial protection against lawsuits

Coverage of medical bills for guests who are injured at your home

It's important to let your insurance company know about all the amenities on your property to make sure you have enough coverage. If you have a swimming pool or hot tub, for instance, you probably should purchase additional liability protection through an umbrella insurance policy in case someone is injured and sues you.

1. A creek flows through the back yard of a home I am purchasing. Do I have to buy flood insurance?
2. A neighbor's tree fell across my fence. Whose insurance pays?
3. Are new manufactured homes safer than older models?
4. Can I buy insurance to cover my new diamond engagement ring?
5. Can installing a home security system reduce a home insurance premium?
6. Could my home insurance company cancel my policy after I file just one claim?
7. Do I need to buy flood insurance even if I don't live near water?
8. Does home insurance cover all exterior elements?
9. Does home insurance cover jewelry and fine art?
10. How can insurance protect me if my luggage is lost, stolen or damaged?
11. I own a historic home. Do I need special insurance?
12. I'm building a house. How do I insure it while it's under construction?
13. The laptop my company provided to me was stolen recently. Whose insurance policy pays?
14. What are the insurance issues to consider if I decide to rent out my home?
15. What insurance do I need to cover my laptop computer?
16. Will home insurance cover a stolen bike?
17. Will homeowners insurance cover a gun collection?
18. Will insurance cover my valuable coin collection?
19. Will my home insurance cover falling trees and damaged shrubs?
20. Will my home insurance policy cover an in-law apartment in my house?
21. Will my home insurance policy cover hurricane damage?
22. Do I need flood insurance if I live in a condo?
23. Do I need title insurance if I'm buying a condominium?
24. If damages in my condo spread to a neighbor's unit, will my home insurance pay for repairs?
25. What type of home insurance should I purchase for my condo?
26. Will a roommate's renters insurance policy cover my possessions, too?