Your insurance should cover damage to structure, outbuildings and property such as your physical belongings. Logically, this is called Physical Damage Insurance/Coverage. These are usually the result of fire, vandalize, hail or other falling objects.
Legal Coverage is another primary concern in providing your proper coverage to protect both you, your home and your assets. Legal Coverage for events such as loss of wage, medical expenses as well as pain and suffering are called Liability Coverage Policies. These are generally incurred when your actions or activities accidentally cause damage to others or their property. Liability Coverage is for the other persons not for you or your family members. Coverage for you and your family are generally included in your basic policy.