Homeowners policies combine several types of coverage into one policy. Most homeowners policies in Texas include these six coverages:
Dwelling coverage pays if your house is damaged or destroyed by something your policy overs.
Personal property coverage pays if your furniture, clothing, and other things you own are stolen, damaged, or destroyed.
Other structures coverage pays to repair structures on your property that aren't attached to your house. This includes detached garages, storage sheds, and fences.
Loss of use coverage pays your additional living expenses if you have to move while your house is being repaired. Additional living expenses include rent, food, and other costs you wouldn't have if you were still in your home.
Personal liability coverage pays medical bills, lost wages, and other costs for people that you're legally responsible for injuring. It also pays if you're responsible for damaging someone else's property. It also pays your court costs if you're sued because of an accident.
Medical payments coverage pays the medical bills of people hurt on your property. It also pays for some injuries that happen away from your home - if your dog bites someone at the park, for instance.