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What Does Home Insurance Cover?

A homeowners insurance policy is typically broken down into six parts:

  • Coverage A – Dwelling: A house and any attached structures, such as a garage.
  • Coverage B – Other structures: Any stand-alone structures — like a carport or tool shed — not attached to the home. 
  • Coverage C – Personal property: This covers repair or replacement of belongings or property stolen or damaged in a covered loss anywhere in the world.
  • Coverage D – Additional living expenses: Sometimes called a loss-of-use clause, this helps to cover the cost of temporary relocation in the event the home is unliveable due to repair work.
  • Coverage E – Personal liability: This covers the costs of another party’s injuries on the insured party’s property (or offsite).
  • Coverage F – Medical payments: Covers medical costs incurred on the property by those not listed as residents of the household, regardless of fault.

Bundle Auto & Home Insurance

The “bundling” discount is usually one of the better car insurance discounts. You can often bundle renters, condo, boat, RV and other policies with auto insurance.

How Much Home Insurance Do I Need?

Your insurance needs will be specific to you, but there are a number of key questions you can answer that will help guide you toward the appropriate coverage levels. The following questions can be used as a sort of home insurance calculator to help determine exactly how much homeowners insurance you will need:

  • How much will it cost to rebuild my home, including detached structures (at the current rate for labor and materials)?
  • How much will it cost to replace my personal property and belongings?
  • What is the value of my personal assets in case someone sues me?

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