Homeowners Insurance California typically covers Dwelling, Other Structures, Liability Coverage, Personal Property Coverage, and Additional Living Expenses. You can purchase vast degrees of coverage for your home just like the eight types of home insurance policies stated earlier. And most standard homeowners insurance is reasonably comprehensive. Mostly, home insurance will cover damage to your possessions and property in case of theft, fire, storm, or vandalism. They also incorporate the expense of staying at an inn or renting another home if a covered claim leaves you incidentally displaced, also called “Additional Living Expenses.” Moreover, your policy additionally incorporates liability coverage which ensures you if somebody gets hurt on your property and sues you.