The six standard coverage types
- Coverage A: the dwelling
- Coverage B: other structures such as a detached garage or fence
- Coverage C: personal property
- Coverage D: loss of use, including additional living expenses
- Coverage E: personal liability
- Coverage F: medical payments to others
Common exclusions
Standard homeowners policies exclude flood and earth movement such as earthquakes, which are bought separately. Wear and tear, gradual leaks, mold in many cases, and pest damage are also commonly excluded. Read the exclusions section of each quote rather than assuming.
Endorsements to discuss
- Water backup of sewers and drains
- Scheduled jewelry or valuables
- Replacement cost on personal property
- Ordinance or law coverage
- Extended or guaranteed replacement cost on the dwelling
Coverage details
Dwelling coverage
Coverage A for the house itself, and why the limit should reflect rebuilding cost.
Learn morePersonal property
Coverage C for belongings, named perils, special limits and replacement cost.
Learn morePersonal liability
Coverage E and F for injuries and damage you cause to others.
Learn moreOlder homes
Wiring, roofs, plumbing and building codes: what insurers ask about older houses.
Learn moreFrequently asked questions
Is flood covered by an HO-3?
No. Flood insurance is a separate policy, available through the National Flood Insurance Program or private insurers.