Up to the limits set by your policy, it also includes your personal belongings and expenses for lodging and meals that go above and beyond your normal living costs. Like the rest of your policy, it has the same deductible and coverage limits.

Your land’s detached structures, like sheds, fences, and detached garages, are frequently covered as well. Damage to trees and shrubs, for example, can be covered by some policies.

https://youtu.be/kwLgqupqd3A