Homeowner insurance has a lot of different benefits and features but the actual coverage is divided into two policy sections. These sections protect you from the perils defined in the policy.
Section I
A The Dwelling The dwelling and attached structures
B Other Structures structures un-attached
C Personal Property contents of the dwelling
D Loss of Use additional living expense
The list of perils that a homeowner policy insures against are fire and lightning, windstorm or hail, explosion, riot and civil commotion, aircraft, vehicles, smoke, vandalism and malicious mischief, theft, falling objects, accidental discharge of water and steam, sudden and accidental tearing apart, freezing, and volcanic eruption.
Section II
E – Liability Coverage – Personal Liability provides coverage in the event a claim or lawsuit is brought against the insured because of bodily injury or property damage caused by an occurrence.
F Medical Payments medical payments provide coverage to others in the event an individual is injured on the premises and requires medical treatment.
These are the basic coverage...
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