Your homeowners’ policy will cover repairs or rebuilding of your home is damaged by fire, hail, lightning, or other perils listed in your policy. A standard homeowners’ policy does not cover damages caused by earthquake, flood, or normal wear and tear. Dwelling – Coverage A: Provides coverage for the main structure on your property. Losses are subject to modified or extended replacement cost. Other Structures – Coverage B: Covers any structures that are not attached to the main dwelling structure. Personal Property – Coverage C: Protects all household furnishings. Loss of Use/Additional Living Expense – Coverage D: Protects you against the added cost you incur in the event a covered loss leaves your home uninhabitable. Personal Liability – Coverage E: Protects you in the event a claim is made or suit is brought against you because of bodily injury or property damage to a third party where you are at fault. Under your basic homeowners’ insurance policy, personal liability coverage may protect you under the following circumstances, up to your policy limits:

  • Lawsuits you may face if an accident occurs
  • Bodily injury to an individual
  • Property damage that occurs as a result of your negligence

Premises Medical Payments – Coverage F: Provides medical coverage for any person other than a regular resident or employee, who is injured on your premises regardless of who is at fault. The purpose of medical payments coverage in your homeowners’ insurance is to cover a medical injury caused by you or a family member.