Basic homeowner insurance typically covers the structure of the home, personal belongings, liability protection, and additional living expenses. Structure Coverage: This includes damage to the physical structure of the home, such as the walls, roof, and foundation, caused by covered perils like fire, wind, hail, and more. Personal Belongings: Basic homeowner insurance provides coverage for personal belongings, such as furniture, clothing, and electronics, in case of theft, vandalism, or covered disasters. Liability Protection: This coverage helps protect the homeowner in case someone is injured on their property or if the homeowner accidentally damages someone else's property. Additional Living Expenses: If the home becomes uninhabitable due to a covered peril, basic homeowner insurance typically covers additional living expenses, such as hotel bills and restaurant meals, while the home is being repaired. It's important to note that the specific coverage and limits can vary between insurance policies and providers, so it's essential to review the policy details carefully to understand the extent of coverage provided.