Homeowner's Plan
This is the most extensive of the home/property policies. It includes:
Dwelling (home) -Coverage for damage to the home/structure itself and to Other Structures.
Personal Property- Coverage for the things inside your home.
Liability - Protects you against expenses resulting from someone getting hurt in your home or on your property.
Loss of Use- Covers the extra cost of living somewhere else while your home is uninhabitable.
Tenant's (Renter's) Plan
Think of this plan as the homeowner's plan minus the Dwelling and Other Structures coverage. It includes Personal Property, Liability, and Loss of Use.
Dwelling (Landlord's) Plan
Covers damage done to the structure/residence only. It does not cover what's inside, and it does not contain Liability protection.