Homeowners’ Policies provide a package of Property and Liability Coverages tailored to the needs of most homeowners.

Coverage A (Dwelling)
Applies to the dwelling and attached structures on the residence premises. Coverage A does not apply to land, including the land on which the dwelling is located.

Coverage B (Other Structures)
Applies to other structures on the residence premises that are detached from the dwelling. The policy clarifies the distinction between attached and detached structures by stating that a structure connected to the dwelling only by a fence or utility line is considered to be detached. Once again, land is specifically excluded. Other structures rented to someone other than a tenant of the dwelling are also excluded unless such a structure is used solely as a private garage.

Coverage C (Contents)
Provides worldwide coverage for personal property owned or used by an insured. At the insurer’s request, coverage is extended to personal property owned by others while the property is in the part of the residence premises occupied by the insured.

Coverage D (Loss of Use)
In the event of a loss under Coverage A, such as fire damage to the dwelling, the insured may lose the use of the dwelling because it is uninhabitable while repairs are being made. The act of civil authority, such as the evacuation ordered because of a nearby fire, may also cause the insured to temporarily lose the use of the dwelling. Coverage D provides compensation to the insured in the event of such loss of use.

Coverage E (Personal Liability)
Coverage E provides Liability Coverage if a claim is made or suit is brought against an insured because of bodily injury or property damage caused by a covered occurrence.

Coverage F (Medical Payments to Others)
Coverage F will pay the necessary medical expenses that are incurred during the loss or within the three years from the date of an accident causing bodily injury. Coverage applies to accidents that occur on the insured premises or as the result of an action by the insured at any location.

Coverage F is not intended to provide accident insurance for the named insured’s family. This can be covered by Health Insurance, Call Us!

ABOUT US

GET FREE INFORMATION