Homeowners Insurance Coverage Explained

Dwelling Coverage:

• This covers the physical structure of your home, including the walls, roof, floors, ceilings, built-in appliances, and other structural components.
• It helps repair or rebuild your home if it's damaged or destroyed by covered perils such as fire, windstorm, hail, lightning, or vandalism.

Other Structures Coverage:

• This extends coverage to structures on your property that are not attached to your main dwelling, such as a detached garage, shed, or fence.

Personal Property Coverage:

• This covers your personal belongings, such as furniture, clothing, electronics, and appliances, in case they are damaged, stolen, or destroyed by covered perils.
• Certain high-value items like jewelry, artwork, or collectibles may have coverage limits, so additional coverage may be necessary.

Loss of Use (Additional Living Expenses):

• If your home becomes uninhabitable due to covered perils, this coverage helps pay for temporary living expenses, such as hotel bills, rental expenses, and additional food costs.

Personal Liability Coverage:

• This provides protection if you are found legally responsible for injuries to other people or damage to their property. It covers legal defense costs and settlement awards, up to the policy limit.

Medical Payments to Others:

• This covers medical expenses for guests who are injured on your property, regardless of who is at fault. It is usually a smaller amount compared to personal liability coverage.