The building you live in is more than just a house—it’s your home. Of course you want to protect it! Homeowners insurance can help cover you in case of many kinds of disasters. It provides coverage if the house itself is damaged or destroyed. It also covers things you own, like your furniture and clothing. It can even cover you in case of liability claims if other people are injured because of your negligence.

Being able to afford a home means more than paying the mortgage. You also have taxes, home insurance, and more. This free calculator will help you see what a home really costs.

The typical homeowners insurance plan helps protect you against damage to your physical home. Some policies also extend protection to include other buildings or attachments on the property, such as a garage. But what about your personal items? Most home insurance policies include some coverage for personal items. How much coverage could depend on which kind you choose.