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	<title>New answer on: What Are The Six Categories Covered By Homeowners Insurance?</title>

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		<title>By: Bill Sims</title>

		<link>https://insurancelibrary.com/home-insurance/what-are-the-six-categories-covered-by-homeowners-insurance</link>

		<dc:creator>Bill Sims</dc:creator>

		<pubDate>Tue, 28 Jan 2014 15:16:10 +0000</pubDate>

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		<description><![CDATA[The six categories are shown on a typical homeowners policy as&#160;coverage limits&#160;A-F.&#160; Coverages A-D are related to property insurance and Coverages E-F are related to liability insurance.

Coverage A (Dwelling) applies to the coverage for the home, including any attached structures (e.g., a garage) and permanently installed property (e.g., hardwood flooring).

Coverage B (Other structures) applies to any detached structures on your property, such as a utility shed or detached garage.&#160; This limit is typically 10% of the Coverage A limit with most carriers, but can be increased if needed.

Coverage C (Personal Property) applies to coverage for your personal belongings that are other than the property described in Coverages A and B above.&#160; This limit is typically set at 60-75% of the Coverage A limit depending on the carrier, but can be increased if needed.

Coverage D (Loss of Use) applies if your home ever becomes uninhabitable due to a covered loss (e.g., a fire loss).&#160; It is there to provide for the living expenses associated with having to find temporary housing (apartment, hotel, etc.).&#160; This limit is typically set at 20% of the Coverage A limit with most carriers.

Coverage E (Personal Liability) provides liability coverage for all of the people permanently residing in the home.&#160; Liability insurance provides coverage if you are legally responsible for an act that injures someone or someone else&#039;s property.

Coverage F (Medical Payments) provides coverage for medical expenses that result from injuries to others that occur on your premises.]]></description>

		

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