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Home Insurance Coverages

Posted by All Solutions Insurance | Posted On October 10th, 2015 | General

Own a home? Ever wonder what those coverages are on your home policy? On a home policy there are typically 2 sections. Section 1 is Property Coverages; section 2 are Liability Coverages. Here is a short breakdown of Home insurance coverages and what they mean…

First, lets talk about Property Coverage’s Section 1.

Coverage A- Dwelling… Covers the structure of the actual house itself.

Coverage B- Other Structurhome-insurance1es… Covers permanent structures around the property that are NOT attached to the dwelling. An example would be a detached garage, a shed, a fence or a pool.

Coverage C-Personal Property… Covers your personal property; does not cover your business personal property. An example or personal property would be your bed, television, a refrigerator, anything that belongs to you that is not permanently attached to the house.

Coverage D- Loss of Use… In the event of a covered loss, the insurance company will provide additional coverage to you to rent a temporary place to stay, while your home is being repaired. So lets say your house burns down, your insurance company will pay for you to stay at a hotel while your home is being rebuilt.

Coverage B, C and D are based on  percentages of coverage A.  These percentages will vary from company to company.


Second, lets talk about Liability Coverage’s Section 2.

Coverage E- Personal Liability… Covers damages which the insured is legally liable for and provides a legal defense at the insurer’s expense. This coverage extends on or off the property.

Coverage F- Medical… Covers a visitor that gets injured on your premises but not legally your fault.


This was just a quick breakdown for homeowners to better understand your home insurance policies. For more detailed questions, please call our office. We would love to hear from you.

To get more general information regarding insurance, please visit our website at

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