Home Insurance Coverage Overview
Understanding what your homeowners insurance covers is essential to protecting your most valuable asset.
The 6 Main Coverage Types
Standard homeowners insurance (HO-3 policy) includes six main types of coverage that protect different aspects of your home and financial well-being.
Coverage A: Dwelling
Covers the structure of your home, including walls, roof, floors, built-in appliances, and attached structures like garages.
Typical coverage: Replacement cost of your home
Coverage B: Other Structures
Protects detached structures on your property like sheds, fences, detached garages, and gazebos.
Typical coverage: 10% of dwelling coverage
Coverage C: Personal Property
Covers your belongings including furniture, clothing, electronics, appliances, and other personal items.
Typical coverage: 50-70% of dwelling coverage
Coverage D: Loss of Use
Pays for additional living expenses if your home becomes uninhabitable due to a covered loss (hotel, meals, storage).
Typical coverage: 20-30% of dwelling coverage
Coverage E: Personal Liability
Protects you if someone is injured on your property or you accidentally damage someone else's property.
Typical coverage: $100,000-$500,000
Coverage F: Medical Payments
Covers medical expenses for guests injured on your property, regardless of fault.
Typical coverage: $1,000-$5,000 per person
What's Typically Covered
What's NOT Covered
Standard homeowners insurance does NOT cover:
- ✗Floods: Requires separate flood insurance
- ✗Earthquakes: Requires earthquake insurance
- ✗Normal wear and tear: Maintenance is your responsibility
- ✗Pest damage: Termites, rodents, etc.
- ✗Mold: Usually excluded unless from covered peril
Average Cost
Annual Premium
$1,400-2,200/year
Varies by location, home value, and coverage limits
What coverage level do you need?
Choose the protection that matches your requirements