A standard homeowners insurance policy in Texas typically provides six main types of coverage to protect your home, belongings, and financial assets from common risks like fire, theft, and windstorms. 

Core Coverage Areas

Dwelling (Coverage A): Pays to repair or rebuild the physical structure of your home (roof, walls, foundation) and attached structures like a garage.

Other Structures (Coverage B): Covers detached structures on your property, including fences, sheds, and detached garages.

Personal Property (Coverage C): Protects your belongings—such as furniture, clothing, and electronics—even if they are damaged or stolen while you are away from home.

Loss of Use / Additional Living Expenses (Coverage D): Pays for temporary housing, food, and other essential costs if a covered disaster makes your home uninhabitable during repairs.

Personal Liability (Coverage E): Provides legal defense and payment if you are held responsible for accidentally injuring someone else or damaging their property.

Medical Payments (Coverage F): Pays medical bills for people (other than household members) accidentally hurt on your property.