A homeowners policy is divided into six coverage parts. Coverage A (Dwelling) pays to rebuild your home. Coverage B (Other Structures) covers detached items like fences and sheds. Coverage C (Personal Property) covers your belongings. Coverage D (Loss of Use) pays for living expenses if your home is unlivable. Coverage E (Personal Liability) defends you if someone sues. Coverage F (Medical Payments) covers small injuries to guests. Standard policies do not cover floods, earthquakes, or normal wear and tear.
Understanding the Basics
What does homeowners insurance actually cover?
By Roni Rivers, Licensed Insurance AdvisorReviewed
A standard homeowners policy has six sections: dwelling, other structures, personal property, loss of use, personal liability, and medical payments to others. It pays for sudden, accidental losses — not maintenance.
Coverage & Cost Details
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