Generally, homeowner's insurance will cover replacing your home and personal property up to certain limits. Most disasters are covered, but not earthquakes or flooding, and homeowner's policies do not cover the normal aging of your house. Homeowner's insurance also may include liability coverage, which covers personal injuries to other people that happen due to your negligence.
On the declarations page provided by your agent, and within your policy, you will see the various coverage types identified as follows:
Coverage A - Dwelling — Pays for damage or destruction to your house and any unattached structures and buildings. Examples include fences, attached garage, or patio cover.
Coverage B - Other structures such as a garage, deck or swimming pool
Coverage C - Personal Property — Covers the contents of your house, including furniture, clothing and appliances, if they are stolen, damaged, or destroyed.
Coverage D - Loss of Use — Pays for additional living expenses if your home is uninhabitable due to a covered loss. Most standard Florida Homeowners Insurance policies pay 10% to 20% of the amount of your Dwelling coverage
Coverage E - Liability — Protects you against financial loss if you are sued and found legally responsible for someone else's injury or property damage
Coverage F - Medical Payments — Covers medical bills for person(s) injured on your property.