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Insurance of house, Your home is your most valuable investment so it only makes sense to protect that investment with insurance. While it sounds simple, homeowners insurance can create more questions than answers. Let's break down the cover ages. The standard homeowners policy is divided into two sections: Property Cover ages and Liability Cover ages of Insurance of house. Let's start by taking a closer look at Section I: Property Cover ages. Coverage A - Dwelling provides protection for your home and the structures attached to your home. Coverage B - Other Structures covers the structures other than your home located on your property such as a detached garage or shed.