Your standard home insurance policy should cover all aspects of your home, like the house structure and its contents. Home insurance basic coverages include:

• Dwelling coverage
• Other structures
• Additional living expenses
• Property damage liability
• Bodily injury liability
• Personal belongings
• Medical payments

Note that you’ll need to buy a separate policy for expensive items like artwork, guns, and jewelry. Additionally, mold infestation and crops are not covered. Also, if you live in a condominium, remember that the condo association or cooperative won’t pay for damage caused inside your unit, even if it results from an incident outside of your control such as a fire or a pipe bursting. Covering the personal property inside your home is your responsibility, no matter what type of home you own.