Home Coverage ABC's
What's Covered?
What's Not Covered
Deductibles & Limits
Home Materials
100
This coverage helps to pay to repair or rebuild the home itself after a covered loss
What is Dwelling coverage(Cov A)?
100
A kitchen fire damages cabinets and countertops.
What is Dwelling coverage?
100
Damage from routine wear and tear over time.
What is not covered under homeowner’s insurance?
100
This is the amount the customer pays before
insurance kicks in.
What is a deductible?
100
This common roof material may impact rates more as it ages.
What is an asphalt shingle roof?
200
This coverage protects items like furniture, clothing, and electronics inside the home.
What is Personal Property coverage (Coverage C)?
200
A storm breaks a window and ruins the couch inside the home.
What is Personal Property coverage?
200
Flood damage from rising water outside the home.
What is flood damage (requires a separate policy)?
200
A higher deductible usually results in this.
What is a lower premium?
200
This construction type is generally more
fire‑resistant and may lower risk.
What is brick or masonry construction?
300
This coverage protects items like furniture, clothing, and electronics inside the home.
What is Personal Property coverage (Coverage C)?
300
A guest trips on a walkway and breaks their arm.
What is Liability coverage?
300
Earthquake damage in most standard policies.
What is not covered?
300
This is the maximum amount the policy will pay
for a covered loss.
What is a coverage limit?
300
Homes with updated versions of these
systems often qualify for better rates.
What are updated electrical, plumbing, and HVAC systems?
400
This coverage helps if someone is injured on the property and the homeowner is held responsible.
What is Liability coverage?
400
Smoke damage makes the home temporarily unlivable.
What is Loss of Use coverage?
400
Damage intentionally caused by the homeowner.
What is not covered?
400
Coverage limits should reflect this,
not just the lowest price.
What is the value of the home or belongings?
400
This feature may reduce fire risk and lower premiums.
What is a fire‑resistant roof or siding?
500
This coverage helps pay for hotel or temporary housing if the home is unlivable after a covered loss.
What is Loss of Use / Additional Living Expenses?
500
A covered loss causes both structural damage AND damage to belongings.
What are multiple coverages working together (Dwelling + Personal Property)?
500
“My policy covers everything.”
A common customer belief that is NOT true:
500
Lowering coverage limits too much can increase this risk.
What is out‑of‑pocket cost after a loss?
500
The roof shape seen here
What is a hip roof?