Dwelling
The physical structure of your home. Always insure at replacement cost, not actual cash value.
Personal Property
Your belongings inside the home. Typically 50–70% of dwelling coverage. Pay the small upgrade to replacement cost.
Loss of Use
Temporary living expenses if your home is uninhabitable. Typically 20% of dwelling coverage.
Liability
Protects you if someone is injured on your property or you damage someone else's property. Carry at least $300k; consider an umbrella policy for more.