You own a single family home and your bank requires you insure the dwelling and you want all the belongings covered too

This protection give you coverage in case your property causes harm or damage to someone else while they are on your property.

Anything that is attached, growing or embedded in the property

Property that can be moved, such as furniture and clothing

Additional coverage, above normal coverage, for expensive and movable items (like high end jewelry)

Dangers to your home, such as fire, lightning, and theft are called....

Which of these is a common exclusion from basic Homeowner's policies?

This payout type subtracts the depreciation from your claim

This payout type covers the cost for the "new" version of the item or materials