Dwelling protection covers the structure of your home, such as the foundation, roof and interior walls. You can also get coverage for detached structures such as a garage, shed, deck or gazebo at an additional cost.
Homeowners insurance includes coverage for personal contents inside the home, such as furniture, electronics, clothing and jewelry. The homeowner determines the dollar amount for this coverage.
When you file a claim for personal property, the insurance company may require proof of ownership and value. One idea is to send your insurance agent video footage of each room in your home from top to bottom. By doing so, your agent will have documentation of your possessions. Some items, such as jewelry and artwork, may need to be insured separately with a rider.