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Homeowners Insurance Coverages

What are the standard homeowners insurance coverages?

Standard homeowners insurance includes coverage for your house, other structures on your property, your belongings, personal liability, medical payments coverage to others, and even temporary living expenses while your home is being rebuilt or repaired due to a covered loss.

Find the typical coverages you’ll have required or available to you below, or estimate how much homeowners insurance coverage you'll need with our home insurance calculator.

Standard homeowners insurance coverages

These basic homeowners insurance coverages are included in your homeowners policy.

Dwelling coverage (Coverage A)

Covers damage to your house and attached structures

Other structures (Coverage B)

Covers structures not permanently attached to your house

Personal possessions (Coverage C)

Covers personal belongings if they're stolen or damaged

Loss of use (Coverage D)

Covers increase in living expenses

Personal liability (Coverage E)

Covers lawsuits against you

Medical payments (Coverage F)

Covers injuries on your property

Optional homeowners insurance coverages

There are many types of home insurance. You may be able to add any of these coverages to customize your policy based on your needs.

Water back-up and sump discharge or overflow

Covers damage from water that backs up, overflows, or discharges from sewers, drains, sump pumps, or related equipment.

Personal injury

Covers uncommon but expensive lawsuits and situations

Perils: What you're protected against

Perils are occurrences that can damage your house, other structures on your property, and your belongings.

Some of the perils that are typically covered

What's not covered?

Boys sitting on a porch

Get a free homeowners insurance quote online or call for advice

Get a quoteOr, call 1-855-347-3939