Want to learn about homeowners insurance? In short, homeowners insurance helps protect you, your home and your belongings from a variety of unexpected events. A standard policy includes four key types of coverage: dwelling, other structures, personal property and liability. If your home is damaged by a covered event, like strong winds, dwelling coverage can help pay to repair it. Let’s say a detached structure on your property, like a shed, is damaged by a fire. Other structures coverage can help pay for repairs. Personal property coverage can help protect what’s inside your home, like electronics, furniture and clothing if they’re stolen or damaged. If a visitor is injured at your home or you accidentally damage another person’s property, liability coverage can help pay the related expenses. Keep in mind, you may have to pay a deductible before your coverage kicks in. And remember, each coverage type has a limit, which is the maximum amount your insurance will pay toward a claim. When it comes to protecting your home, it’s important to understand what your policy covers. Questions? Contact an Allstate agent.