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Uncovering Homeowners Insurance Policy: Coverage A, B, & C

If you’re looking to get started on your homeowners insurance policy through the top Florida homeowners insurance companies, it’s important to understand what the different parts of your policy will cover. Most standard homeowners insurance policies include these three separate sections, coverage A, B, and C—but what do these terms mean? While the coverage may vary from one policy to another, this blog can help you understand what your policy will and won’t cover when it comes to protecting your home and your belongings.

Coverage A: Damage to Home

This coverage kicks in if your home is damaged by fire, lightning, volcanic eruptions, windstorms or hail. It will also cover damages to your home if it’s hit by a vehicle or if malicious vandalism occurs. If your home is damaged by a covered event and you have enough insurance coverage on it to make repairs – whether from a claim you filed or from savings you have – that’s all there is to it! However, if you don’t have enough coverage on your home to make repairs, then how much of your loss is covered depends on what kind of policy you bought.

Coverage B: Damage to Other Structures

Coverage B covers damages to other buildings and structures on your property, like a detatched garage, shed, porch, etc. that are attached to your house or on an adjacent property. For example, if there was a fire at your neighbor’s house and their home burned down and smoke spread to your house through its heating vents, both of you would be covered by each other’s homeowners insurance. If you own any outbuildings, make sure they’re listed on your policy so that they can be protected.

Coverage C: Damage to Personal Property

This covers damages to your personal belongings, like furniture, clothes, TV, etc., in your home and elsewhere caused by a covered peril. It also covers your liability if any of these items are stolen from your home. In order to be covered for theft of property, you must notify the insurance company immediately after discovery of loss or theft; coverage is subject to policy exclusions and applicable deductibles.

Coverage A, B, and C are only half of the coverages provided by a majority of homeowners insurance policies, so we hope that this blog gave you a better grasp on what’s included in a standard home insurance policy. As you continue researching for the perfect-match home insurance, contact the top Florida homeowners insurance companies or a Get-a-Quote professional to help you simplify your process.