A standard home insurance policy includes six basic types of coverage:
Coverage A- Dwelling
Coverage B- Other Structures on Your Property
Coverage C- Personal Property/Contents
Coverage D- Loss of Use
Coverage E- Personal Liability Protection
Coverage F- Medical Payments
Dwelling - Coverage A: Protects in case of damage or possible loss to your home in the
event of a covered loss like a fire, wind, or lightening.
Other Structures - Coverage B: Structures protected by a normal homeowners policy
include detached garages, outbuildings, fences, and etc. that are located on your property.
Most policies default 10% of dwelling coverage for this coverage. Example: $100,000 on
building would automatically grant you $10,000 on other structures.
Personal Property - Coverage C: Is included in a typical homeowners policy and
insures your household contents if they are stolen or destroyed by fire, wind or other covered
loss in your policy.
Loss of Use - Coverage D: In case of a covered loss you had to be away from your home
while it is being repaired you would have coverage to relocate you during this time. This would
include hotel or rent, restaurant bills, dry cleaning, and etc. incur during the time your home is
being repaired.
Personal Liability Protection - Coverage E: Coverage begins if a civil suit brought
against you or a covered family member for bodily injury or property damage. Household pets
would be covered in a covered loss, farm animals would not be considered a household pets.
Medical Payments - Coverage F: If someone is hurt on your property at no fault or
blame to you, your insurance will pay up covered amount as a good faith payment.
If you have other questions about homeowners insurance or how to get started? Please
contact us to have one of our experienced licensed agents help answer any and all of your
questions.
Coverage A- Dwelling
Coverage B- Other Structures on Your Property
Coverage C- Personal Property/Contents
Coverage D- Loss of Use
Coverage E- Personal Liability Protection
Coverage F- Medical Payments
Dwelling - Coverage A: Protects in case of damage or possible loss to your home in the
event of a covered loss like a fire, wind, or lightening.
Other Structures - Coverage B: Structures protected by a normal homeowners policy
include detached garages, outbuildings, fences, and etc. that are located on your property.
Most policies default 10% of dwelling coverage for this coverage. Example: $100,000 on
building would automatically grant you $10,000 on other structures.
Personal Property - Coverage C: Is included in a typical homeowners policy and
insures your household contents if they are stolen or destroyed by fire, wind or other covered
loss in your policy.
Loss of Use - Coverage D: In case of a covered loss you had to be away from your home
while it is being repaired you would have coverage to relocate you during this time. This would
include hotel or rent, restaurant bills, dry cleaning, and etc. incur during the time your home is
being repaired.
Personal Liability Protection - Coverage E: Coverage begins if a civil suit brought
against you or a covered family member for bodily injury or property damage. Household pets
would be covered in a covered loss, farm animals would not be considered a household pets.
Medical Payments - Coverage F: If someone is hurt on your property at no fault or
blame to you, your insurance will pay up covered amount as a good faith payment.
If you have other questions about homeowners insurance or how to get started? Please
contact us to have one of our experienced licensed agents help answer any and all of your
questions.
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©2008 Copyright Cole Insurance Agency, Inc. All rights reserved.
To contact, call toll free 1.800.509.4309 or email us.
To contact, call toll free 1.800.509.4309 or email us.
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800-509-4309
ray@coleinsinc.com
ray@coleinsinc.com