Most home policies include six key parts:
A – Dwelling: The house itself.
B – Other Structures: Detached garage, shed, fence.
C – Personal Property: Your belongings.
D – Loss of Use: Pays for temporary housing and meals if you can’t live at home after a covered loss.
E – Liability: Protects you if someone is injured or sues for property damage.
F – Medical Payments: Covers small guest injuries (like stitches).
Optional add-ons include flood coverage, water-backup protection, jewelry riders, and replacement-cost coverage for contents.