Dwelling coverage covers damage to your home that may occur due to a loss that's covered, including fires. In the case of a covered loss, this coverage may help pay for repairs or even to rebuild the property.
Other Structures coverage covers damages to structures or buildings that are on your property that are not the primary dwelling, in the case of a covered loss. This may include detached garages, sheds, decks, and driveways.
Personal property coverage covers your belongings, such as furniture, appliances, clothing, and electronics. It can help pay to repair or replace your belongings if they are damaged or destroyed by a covered loss. Specific items such as jewelry can be listed, or scheduled, on your insurance policy as well.