Your Property 
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Homeowners insurance covers many types of damage to your home and separate structures, like a detached garage. Your policy will cover damage caused by things like wind, fire, and vandalism (subject to exclusions).

Your Possessions 
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• Your personal property is covered anywhere in the world.
• Coverage is comprehensive, applying to many types of damage and many causes of loss or damage (subject to exclusions).
• Contents Replacement Cost is included and, subject to loss settlement, pays for the cost of repair or replacement without deduction for depreciation.

Liability 

​​Pays when you're legally liable for someone else's bodily injury or property damage resulting from an accident, negligent acts by you or household members (on or off premises). This also includes the acts of your pets.