U.S. Homeowners Insurance Coverage Guide
Understand how standard U.S. homeowners policies protect your dwelling, personal belongings, and personal liability against fire, windstorms, theft, and unexpected property damage.
The 6 Core Coverages in a U.S. Homeowners Policy
Most single-family homeowners policies in the United States are structured around six standard coverage sections (Coverages A through F).
Coverage A: Dwelling
Helps pay to repair or rebuild the physical structure of your house—including the roof, foundation, walls, attached garage, and built-in appliances—if damaged by a covered peril such as fire, lightning, windstorm, or hail.
Coverage B: Other Structures
Protects standalone structures on your property that are separated from the main house, such as detached garages, storage sheds, guest cottages, fences, and driveways.
Coverage C: Personal Property
Covers your household belongings—furniture, electronics, clothing, and appliances—against covered losses like theft, fire, or vandalism, both inside your home and while traveling.
Coverage D: Loss of Use (ALE)
Reimburses Additional Living Expenses (hotel bills, temporary rentals, and restaurant meals) if your home becomes uninhabitable while undergoing repairs after a covered claim.
Coverage E: Personal Liability
Helps cover legal defense costs and bodily injury or property damage settlements if you or a household member are found legally responsible for an accident on or off your property.
Coverage F: Medical Payments
Covers reasonable medical expenses for guests who are accidentally injured on your property, regardless of legal fault, helping resolve minor incidents quickly.
Important Educational & Non-Carrier Notice
SureCare provides independent educational guides and comparison tools for U.S. consumers. SureCare does not directly underwrite homeowners insurance policies. Standard homeowners policies typically exclude flood and earthquake damage, which require separate endorsements or policies.