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Home Insurance coverage options and definitions

Dwelling (Coverage A)
The dwelling on the property is covered against risks of direct loss, subject to certain conditions and exclusions. Common exclusions are flood, earthquake, war and wear and tear. Most homeowners policies have replacement cost coverage where the dwelling coverage isn’t depreciated with a home’s age.

Other Structures (Coverage B)
Structures like garages, sheds, gazebos and decks that are detached from the main house are covered here. The coverage amount automatically included is usually 10% of the dwelling coverage. This can be increased.

Personal Property (Coverage C)
The things you own (like books, furniture, kitchenware and clothing) are insured for various types of risks while in your home or with you when you’re traveling. The perils covered may be expanded by endorsement. There are some sub limits on certain items/categories that are highly portable and more easily lost or often a target of theft -like cash, jewelry and firearms. Business property in your home is also subject to a sub limit. Personal property coverage is typically covered on a replacement cost basis.

Loss of Use (Coverage D)
If serious damage from a covered loss makes your home unlivable, this coverage pays your additional living expenses.

Personal Liability (Coverage E)
This protects you from suits or claims that may result from an injury or property damage covered by the policy. Damages are covered up to the limit of liability you select. Typically, legal defense against the suit or claim is included.

Medical Payments to Others (Coverage F)
Pays up to the limit you select for medical expenses needed because of an accidental injury to a visitor occurring at your residence, regardless of fault.

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