Homeowners insurance: coverages A through F
The six standard parts of a homeowners policy and what each protects.
Most homeowners policies (commonly the HO-3 form) are organized into lettered coverages.
| Coverage | Protects |
|---|---|
| A — Dwelling | The structure of your home |
| B — Other structures | Detached garages, sheds, fences |
| C — Personal property | Your belongings, at home and often away |
| D — Loss of use | Extra living costs if your home is unlivable after a covered loss |
| E — Personal liability | Injuries or damage you cause to others |
| F — Medical payments | Minor injuries to guests, regardless of fault |
What is usually excluded
Standard policies generally exclude flood and earthquake damage, which require separate policies or endorsements. In some coastal areas, wind or hurricane coverage may carry a separate deductible.
Replacement cost vs. actual cash value
Replacement cost coverage pays to repair or replace without deducting for depreciation; actual cash value subtracts it. Check which applies to both the dwelling and your belongings when comparing quotes.
This guide is general information from Quoting Fast, not insurance, legal or financial advice. Coverage rules vary by state and insurer.