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Home insurance policies typically cover several key areas:

1. **Dwelling Coverage**: This protects the structure of your home, including walls, roof, and built-in appliances. It's essential to have enough coverage to rebuild your home in case of total loss.

2. **Personal Property Coverage**: This covers your personal belongings, such as furniture, electronics, and clothing, against damage or theft. It's important to take inventory and estimate the value of your possessions to ensure adequate coverage.

3. **Liability Protection**: This offers coverage if someone is injured on your property and you are found legally responsible. It also covers legal fees and medical expenses.

4. **Additional Living Expenses (ALE)**: If your home becomes uninhabitable due to a covered peril, ALE covers the cost of living elsewhere temporarily.