What Does My Homeowners Insurance Cover?


Most homeowners policies are broken down into the same sections. There are different types of homeowners forms, depending on the type of home or dwelling you have, and whether you own or rent.

The main sections of a typical homeowners policy includes:

  • Section A: Dwelling – The building itself
  • Section B: Other Structures – All other buildings on the property like sheds, detached garages, and fences. (unless specifically excluded)
  • Section C: Personal Property – Your personal possessions – Think of it as this: If you were to flip your home upside down and shake it, what would fall out? It is anything that is not permanently attached to the dwelling. The best way to keep track of these items is with one of our Inventory Booklets. The booklet will help expedite the process of getting a claim settled after the loss of personal property.
    • Note: For items of great value such as guns, jewelry, money, etc. – These items should be scheduled separately to insure their full value.
  • Section D: Additional Living Expense/Loss of Rents – Additional Living Expense is the  additional cost of living that you would incur if you were temporarily displaced from your home due to a loss.  Loss of Rents is the loss of any rental income as a result of a loss if you rent the property.
  • Section E: Personal Liability – Protects you and the members of your home against lawsuits if someone else is injured on your property, or as a result of your negligence.
  • Section F: Medical Payments – Covers medical expenses that may arise when someone is injured on your property.

There are other sections that may be added/removed depending on the type of form you need. For example, in a renter’s policy, Section A: Dwelling is not available because the structure itself is not something the renter has insurable interest in.

Following the property and liability coverages, there is a section that goes over more specific coverages and exclusions. Look over these and ask your agent if you have any questions.

Here at CWIA we strive to make sure that our clients are protected adequately so you and your family don’t suffer financially at a time of loss. If you have any questions about your current policy, or if you want to change your current policy, don’t hesitate to give us a call!