Understanding Your

Homeowners Policy

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Coverage A

Dwelling

Covers the structure of your home

Foundation, roof, walls, and attached structures. Insures the cost of repairs or rebuilding in the event of a fire or storm.

Coverage B

Other Structures

Detached buildings, fences, driveways, and other structures separate from the main house.

Coverage C

Personal Property

Covers the Contents of your home

Furniture, Appliances, Clothing, Electronics. Covers these items if they are damaged, lost, or stolen in a covered event.

Coverage D

LOSS OF USE

Covers living expenses if your home is uninhabitable

If your home becomes uninhabitable due to a covered loss, Coverage D helps pay for alternative living arrangements, such as hotel or temporary rental costs.

Coverage E

Personal Liability

Covers legal and medical costs if someone is injured on your property.

If a guest is injured while visiting or if you cause damage to someone else’s property, this coverage will protect you from liability and help cover any costs.