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Types of Home Insurance Coverage

When exploring home insurance, it’s crucial to understand the different types of coverage available:

1. **Dwelling Coverage**: This covers the physical structure of your home, including walls, roof, and built-in appliances. It ensures that if your home is damaged by a covered peril, the cost of repairs or rebuilding is covered.

2. **Personal Property Coverage**: This aspect covers personal belongings inside your home, such as furniture, electronics, and clothing. If these items are stolen or damaged, personal property coverage can help replace them.

3. **Liability Protection**: If someone is injured on your property and you're found legally responsible, liability protection covers legal fees and medical expenses.

4. **Additional Living Expenses (ALE)**: If your home is uninhabitable due to a covered loss, ALE covers the cost of temporary housing and other expenses incurred while your home is being repaired.