Home Insurance is based on four coverages:
This coverage refers to the reconstruction of the house.
Personal Property covers the value of your personal property inside your home.
This coverage refers to the reconstruction of structures that are inside your property, eg shed, garage.
Loss Of Use
Loss Of Use will cover the cost of staying away from your home, in case something happens to your home.
In the event of a fire, the insurance company will cover the reconstruction of your home, but investigation is carried out to find the cause of the fire.