If you need further convincing, read on to see what homeowners insurance covers in Delaware. Basic homeowners insurance policies will provide coverage for four main areas: the structures of your home, your personal property, temporary living expenses, and liability. The structures of your home include the home itself, but typically also your garage and sometimes detached structures like sheds or fences. Your personal property, including furniture, electronics, and clothes, is also covered. Many policies will even cover your possessions if they are stolen from your car or while you’re on vacation.. Temporary living expenses coverage, or loss of use coverage, is for times when your home becomes uninhabitable due to a covered event. This will help pay for costs associated with living elsewhere while your home is being repaired, such as hotel bills. Personal liability coverage protects you in cases where people are injured on your property or where you or a family member cause damage to someone else’s properties. This coverage can help pay for repair costs, medical bills, and even legal fees from lawsuits related to these incidents. Always check your policy to see exactly what events or perils are covered. For example, loss from fire and theft is covered, but flood damage isn’t.