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Pomona, CA 91766

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California Insurance Blog

Understanding the Major Parts of Homeowner’s Insurance

If you’re a first-time buyer of a single-family home in Pomona, CA, you might encounter some unfamiliar terminology in your insurance coverage. Most homeowner’s insurance policies contain at least four major sections explaining your coverage, with some having as many as six. THINK Insurance & Financial Services can provide sound advice on understanding your homeowner’s policy.

The Major Sections

Your homeowner’s policy will have at least four major sections, with more comprehensive policies having six. They are as follows:

  • Coverage A – Dwelling
  • Coverage B – Other Structures
  • Coverage C – Personal Property
  • Coverage D – Loss of Use
  • Coverage E – Personal Liability
  • Coverage F – Medical Payments to Others

The first four categories cover your home’s physical structure and contents, while the last two concern liability issues. Dwelling coverage refers to your home’s physical structure, while Other Structures cover items on your property, such as fences, sheds, and detached garages. Personal Property includes everything inside your home, like clothing, furniture, appliances, electronics, etc. Loss of Use covers the cost of living and meals if your home becomes uninhabitable due to a covered risk.

Why Do I Need Liability Coverage?

If someone gets injured on your property, you or a household member may be deemed legally responsible for the incident. Liability coverage provides a defense and pays damages. The last section, Medical Payments to Others, covers the cost of medical treatment for anyone injured on your property.

These categories represent the basic coverage in a homeowner’s policy. You may need to add endorsements to your policy to tailor it to your specific needs. The THINK Insurance & Financial Services agents serving Pomona, CA, can advise you on a policy that meets your needs. Call today for an appointment.

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