Forsikringsselskaberne tilbyder en større eller mindre grunddækning, men typiske standarddækninger er: Brand, Husejeransvar, Restværdi, Kortslutning, Huslejetab, Svamp- og insektskade, Kortslutning, Anden bygningsskade
Der er dog store forskelle på forsikringsselskaberne, så i nogle selskaber vil visse af ovenstående dækninger skulle tegnes som særskilte tilvalgsdækninger. I andre tilfælde indgår der yderligere dækninger i forsikringsselskabets standarddækning – dækningen af disse skader varierer også markant; nogle forsikringsselskaber bruger afskrivning, andre selvrisici og nogle noget helt tredje.
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