Coverage A - Dwelling

Protects your house and any attached structures, such as garages, decks or fences. The typical policy covers your home when it is damaged by most common perils or causes of loss including fire, lightning, smoke, collapse, damage by aircraft or vehicles, vandalism, and accidental leakage or overflow from plumbing, heating or air conditioning units. 

The following causes of loss are usually excluded from coverage under the homeowners' policy:

Earthquake

Flood

Faulty maintenance

Damage from insects or vermin

Wear and tear, gradual damage or deterioration

 In addition to the above, Windstorm, hurricane and hail is usually excluded on the Texas Gulf Coast. 

Coverage B - Other Structures

Protects structures that are not attached to the home, such as a detached garage, storage or utility shed, playground equipment and swimming pools.

Coverage C - Personal Property

Covers your possessions, whether they are at your home or away with you on vacation. Personal property is usually covered on a named peril basis. This means that only the causes of loss listed in the policy section are covered. The coverage is also subject to limitations and exclusions. Certain types of property such as jewelry, fine arts, collectibles, etc., may require special protection.

Actual Cash Value vs. Replacement Cost

Actual cash value is defined as replacement cost minus depreciation. Replacement cost is the actual cost to replace the structure, regardless of depreciation. Check your policy to see which type of coverage you have.

Coverage D - Loss of Use

Provides reimbursement for the cost of additional living expenses while your home is being repaired due to a covered cause of loss. Additional expenses normally include food, housing, and transportation. However, the expenses must exceed what your family normally incurs.

Coverage E - Personal Liability

Provides coverage if you are found legally liable for causing property damage or physical injury. Protection includes paying for your defense costs and any resulting judgment for covered incidents. Certain incidents are excluded from coverage.

Coverage F - Medical Payments

This coverage provides for small injuries to guests in your home. It does not apply to resident members of the family. 

All of the coverages provided by the homeowners' policy are subject to limitations such as exclusions, policy limits, and deductibles.