Home Owner’s Insurance
Additionally, it provides compensation for damage, loss, or injury of property, personal belongings, or persons due to fire, theft, accidents, etc.
The four separate categories for your home, as defined by insurance companies, are:
The structure of the house is considered a covered property.
These are structures that are separate from the house or connected to the house by a fence, wire or another form of connection, but not otherwise attached to the dwelling, such as a tool shed or detached garage.