Homeowners Insurance Coverage Basics

Home insurance can have many features and riders. Below is an explanation of the basic coverages in plain English. Remember, this is just a general description and not policy language. The items below will vary based on the policy type you purchase. These general terms can get you started.

COVERAGE A – Building: This coverage is used to protect the physical structure. Your home should ideally be insured to 100% of its Replacement Cost.

COVERAGE B - Other Structures: Used to protect unattached structures such as a shed, detached garage or an inground swimming pool.

COVERAGE C – Contents: This coverage is for your household belongings.

COVERAGE D - Loss of Use: This pays for you and your family to stay in a hotel if your home becomes uninhabitable due to a covered loss.

COVERAGE E – Personal Liability: Coverage for Bodily Injury or Property Damage that an insured is found to be liable.

COVERAGE F - Medical Payments: Coverage for medical payments to another person regardless of the negligence of an insured person.


Mojave Insurance is here to help. Call us at (702)625-6348 for an explanation of coverage and benefits.

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