Embarking on the journey of homeowner insurance opens a realm of protection and reassurance for your most cherished asset—your home.

Whether you’re a new home owner or a seasoned dweller, understanding the fundamentals of homeowner insurance is paramount. This form of insurance offers a safety net, guarding your haven against unforeseen circumstances such as natural disasters, accidents, or theft.

Do you have the home insurance that’s right for you? Find out about the basic types of insurance coverage below:

Dwelling Coverage

Dwelling insurance coverage (often called Coverage A on a home or condo policy) covers your house, including an attached garage, countertops, flooring, and built-in appliances. If your home is damaged by a covered peril, your policy’s dwelling coverage may pay to repair, rebuild, or replace your home’s physical structure. Dwelling coverage is included in every homeowners or condo policy. Because your home is typically your most important asset, dwelling coverage is an essential aspect of home insurance.

Other Structures Coverage

Other Structures Insurance Coverage is the part of your homeowners policy that protects structures on your property not physically connected to your home, such as a detached garage, storage shed, or gazebo. Your other structures coverage limit is typically set at 10% of your policy’s dwelling coverage, but this can vary by insurer.

Personal Property Coverage

Personal property coverage — also known as contents coverage on a home policy — helps cover the cost of your personal items if they are destroyed, damaged, or stolen due to a covered loss or peril. Personal property includes things like furniture, clothing, electronics, and kitchenware.

Loss Of Use Coverage

Loss of use coverage is typically included in standard homeowners, condo, or renters policies and may pay for your hotel/living and meal expenses if you’re unable to live in your home due to something your home insurance covers. Also known as Coverage D, loss of use coverage pays for living expenses above what you would normally spend.

Renters Coverage

Renters Coverage covers your personal property and protects you against personal liability. It may also cover your additional living expenses or lost rental income you incur because your home is not fit to live in. Learn more about renters insurance here.

AAA Is Here To Help!

Curious about how you can secure your home and everything within it? It’s as simple as getting a home insurance quote. Don’t leave the protection of your cherished abode to chance – let us provide you with a tailored insurance solution that fits your needs and budget. Requesting a quote takes just a few moments and could offer you the peace of mind you’ve been looking for. Safeguard your home today with a personalized insurance quote that’s designed with you in mind.


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