What does homeowners insurance cover?

My partner and I are shopping for our first home. Neither of us is well-versed in home insurance. What kind of coverage does it offer?

Find out if you’re getting ripped off on your car insurance in less than two minutes.
No spam · No long forms · No fees
Find savings (100% Free)
rating white
3.5k Ratings
Answer provided by
Shannon Martin
Answered on Mar 12, 2021
When most people think of homeowners insurance, they usually think of protection for just the home’s structure itself, but it covers so much more than that! It covers your home, your personal items that fill your home, things built on your property, and your family’s financial future in the event of a lawsuit. A homeowners policy is generally made up of six different categories that are labeled A to F, as follows:
  • Coverage A: Damage to the dwelling (the house and anything permanently attached like walls, cabinets, fixtures, etc.)
  • Coverage B: Other structures (things like detached garages, sheds, pools, etc.)
  • Coverage C: Personal property (your stuff, including clothes, TV, furniture, etc.)
  • Coverage D: Additional living expense (pays for hotel bills, food, laundry service, etc., while your home isn’t livable due to a covered loss)
  • Coverage E: Personal liability (covers claims in a lawsuit if someone gets hurt on your property)
  • Coverage F: Medical payments to others (covers small no-fault expenses if someone gets hurt on your property)
If the unthinkable happens and you lose your home to a covered loss, imagine having to buy everything to start over. From simple things like your clothes and a toothbrush to the more important items like jewelry and electronics — let alone the actual repairs to the home — it can be very expensive and overwhelming to think about. It is crucial to work closely with an agent who understands your property and financial needs so that you and your family are adequately protected.
To learn more about homeowners insurance, check out this article: What Does Home Insurance Coverage Include and Exclude?.

Here to save on car and home insurance? Great, you do that. We’ll do everything else.

Sign up in under a minute.
No need to fill out forms or shop around. Sign up in 45 seconds to start saving. Jerry does the rest.
Jerry collects and analyzes your current coverage.
Say hello to Jerry, your new insurance agent. We’ll contact your insurance company, review your current plan, then find the coverage that fits your needs and saves you money.
Get the best options before your renewal.
Jerry does all the picky, busy work by comparing prices and coverage from more than 50+ insurance companies. We compare what we find to your current policy and offer you the three best options before every renewal.

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
Find insurance savings — it's 100% free