Homeowner A-D Coverages

Coverage A : As discussed in the Replacement Cost post, coverage A determines what your house is covered for covered damages to it.

Coverage B : is for Other Structures. So it could be a pole barn, shed, detached garage, etc. Coverage B is created by taking 10% of Coverage A. So if Coverage A is $100,000 then Coverage B would automatically be $10,000.

Coverage C : is for Personal Property. This would be your contents. Coverage C is created by taking 50% of Coverage A. So if Coverage A is $100,000 then Coverage C would be $50,000.

Coverage D : is for Loss of Use. Loss of Use is if you have a loss caused by a covered peril to where you cannot reside in your house until the repairs are finished, your insurance will pay for you to live elsewhere for the time being up to Coverage D’s limit. Coverage D is created by taking 25% of Coverage A. So if Coverage A is $100,000 then Coverage D would be $25,000

* All of the above are subject to your deductible.

If you have any questions please feel to comment and ask away.

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