Basics of homeowners insurance and how it protects your home and belongings.

blue and gray concrete house with attic during twilight


If you own a home, it’s likely that you’ve considered homeowners insurance. But how much do you really know about this important coverage? We’ll cover the basics of what homeowners insurance is and how it protects your home and belongings. Say’s Dj Bettencourt ,we will also discuss some extra protection or “endorsements” that can be added onto your policy if needed.

The various part of homeowners insurance

You need to know the various parts of a homeowners policy:

  • Deductibles: This is the amount you have to pay before your insurance takes over. It’s usually very low, like $500 or $1,000.
  • Coverage limit: This is how much money your policy will pay out in total for claims during one year (or other time period). Your coverage limit should be equal to at least 80% of what it would take to rebuild your home after a fire

What Is Coverage A – Dwelling?

Coverage A is the first and most important coverage in homeowners insurance. It provides protection for your home and its contents against various perils, including fire and windstorms.

It protects the structure of your house, along with any additions that are attached to it (such as a garage or second story). It also covers land that’s adjacent to your home if it’s not part of another building (for example, a detached shed). In addition to those basic protections, Coverage A provides protection for:

  • Plumbing and electrical systems;
  • Heating and cooling systems; and
  • Landscaping features around your house like trees or gardens

What is Coverage B – Other Structures?

Coverage B – Other Structures

Other structures include detached garages, sheds, fences, and pools. This coverage is usually limited to 10% of your dwelling limit [1]. If you have a separate structure that is damaged in a covered loss because it’s considered part of the same property as your home (like a garage), then your insurance company will provide payment for that damage.

What is Coverage C – Personal Property?

The policy also includes coverage for personal property, which is basically anything that isn’t part of the structure of your house. This includes your furniture, clothing, appliances and electronics.

This coverage pays to replace a lost or damaged item up to the policy limit. So if you lose a $500 TV in a fire and have $500 in insurance coverage on it, then you get reimbursed for that amount when you file a claim with your insurance company.

Coverage C also covers liability if someone is injured in your home (more on this later).

What Does Liability Insurance Cover?

Liability insurance covers the legal costs of someone suing you. It also covers your legal defense and any medical expenses that may be involved in such a lawsuit. Liability insurance will also cover property damage caused by you, as long as it isn’t intentional or due to criminal activity.

If someone is injured on your property and they sue you because of it, liability coverage protects against that lawsuit and makes sure your finances are protected from the resulting damages.


In conclusion, homeowners insurance is an important part of protecting your home and belongings. It provides the coverage you need to repair or replace damaged items, as well as pay for any medical expenses that might result from an accident on your property. In addition to these basic benefits, there are also optional add-ons that can provide extra protection or cover additional types of losses (such as liability).

Like this article?

Share on Facebook
Share on Twitter
Share on Linkdin
Share on Pinterest