Homeowners Insurance Coverage Explained

Free Homeowners Insurance Quote

Speak with one of our agents, or do it yourself using our self-serve quoting system now.

If you just purchased a homeowners policy and are utterly confused by your declarations page, you are not alone, that’s why have your easy to understand cheat sheet.

Homeowners Insurance Coverage Explained: Cheat Sheet

Homeowners insurance Coverage Cheat Sheet

Know someone who could use this information? Share it with them on social, or download your FREE pdf.

Do You Need Flood Insurance?

Homeowners Insurance Coverage explained: Why Bother understanding?

There are a lot of confusing insurance terms and figures on your policy, but you should at least try to understand the basics.

And for many people, the most important thing they want to understand is: What am I actually covered for? And why is it broken down into: Coverage A, Coverage B, Coverage C, Coverage D, Coverage E, Coverage F?

At the very least, it’s good to understand the different coverage types and what it means for your policy. This helps prevent any surprises when it comes time for a claim, you don’t want to find out after it’s too late that something is NOT covered.

Also, when you understand the coverage types a little better, you can make sure that you select a coverage amount that is right for you. There are typical coverage limits, but you might personally want more than what is considered “standard” coverage. Each state has their own requirements as well.

Make sure you ask your agent about your options so that you have the most tailored policy possible.

Homeowners Insurance Coverage explained: Coverage A

Coverage A refers to your dwelling coverage. This is the amount that will pay out for damage or destruction done to your house or any attached structure and building. This could include an attached garage, patio cover, fences, etc.

Homeowners Insurance Coverage explained: Coverage B

What about structures on your property that are not physically attached to your house?


Thankfully that’s where Coverage B comes into play which will pay out for unattached structures such as a detached garage, deck, swimming pool, guest house, or gazebo.

Homeowners Insurance Coverage explained: Coverage C

Coverage C refers to your personal property protection. This portion of your policy will cover the contents of your house including items such as furniture, clothing, appliances, etc. in the event they are damaged or destroyed.

It’s good to be aware that some of this coverage can be limited. Therefore, if you have certain items that you are especially anxious about being covered (computers, jewelry, antiques, etc.) you need to be sure to speak with your agent about endorsements and additional coverage options.

Homeowners Insurance Coverage explained: Coverage D

Coverage D on a homeowners policy is known as loss of use coverage. This will pay for additional living expenses in the case of your home being uninhabitable due to a covered loss. (There are losses that are not covered unfortunately.)

Most standard homeowners policies pay from 10% to 20% of the dwelling coverage amount.

Homeowners Insurance Coverage explained: Coverage E

Coverage E refers to liability coverage on your homeowners policy. This will help protect you from financial loss if you are sued and found legally responsible for someone else’s injury or property damage.

Homeowners Insurance Coverage explained: Coverage F

Coverage F is the coverage of medical payments. This will take care of (up to the coverage limit preselected) medical bills for someone who was injured while on your property.

Homeowners Insurance Coverage explained: Conclusion

homeowners insurance coverage explained
Do You remember what Coverages A-F mean?

Feeling better about your homeowners knowledge? Great, we are glad we could help! If you don’t have a policy yet, don’t wait. Start your online quote here.

Last Updated on by Treasure Coleman