Homeowners Insurance Coverage
Your homeowners insurance coverage is important; it protects what may be your greatest asset. The following coverage definitions should help you understand your homeowners policy. Our homeowners insurance representatives are available to help you determine the appropriate coverage amounts for your needs.
Dwelling Coverage - Coverage A
Covers your home and any structures attached directly to it. Ideally, the amount of homeowners insurance coverage you carry should equal the cost of rebuilding your home after a total loss.
Other Structures - Coverage B
Covers other structures set apart from the dwelling on the residence premises such as a detached garage. This home insurance coverage applies up to the limits provided in your policy and can be increased if necessary. Most policies automatically provide a limit equal to 10% of your dwelling coverage amount.
Personal Property - Coverage C
This homeowners insurance coverage protects your personal belongings, such as furniture, clothing and appliances. Most policies provide a limit of liability equal to 50% to 70% of the Dwelling Coverage amount. Certain possessions may be excluded or have only limited coverage. Your homeowners insurance representative can tell you more about additional coverages you can purchase to provide enhanced protection for valuable items and other special possessions.
Loss of Use - Coverage D
This homeowners insurance coverage is available when you cannot live in your home due to a covered loss. It pays reasonable and customary living expenses up to the limit provided in your homeowners insurance policy.
Liability - Coverage E
This coverage protects you in two ways. First, it provides for your legal defense against a liability claim (lawsuit). Second, it will pay any court judgments for covered losses against you, up to the policy limit.
Medical Payments - Coverage F
This homeowners insurance coverage pays emergency medical bills for anyone injured on your property or any injury caused by a member of your family or a pet regardless of where it happens. All bills are paid, up to your home insurance policy limit, whether or not you're legally responsible.
Homeowners insurance policies have many other optional features available to you depending on your individual need. These include earthquake and scheduled personal property coverage.
The AARP® Homeowners Insurance Program from The Hartford also offers condo insurance and renters insurance. These policies have some of the same insurance coverages as a homeowners insurance policy with special coverages provided to accommodate each unique situation. Contact a home insurance professional at
1-877-422-2345 to discuss the best coverage for you.
