Coverage B - Other Structures Coverage

Do you have a barn, shed, garage or other structure not attached to your home? Other Structures Coverage insures these structures against the same risks that Coverage A - Dwelling Coverage provides for your home.

Limits
Coverage B is typically limited to 10% of your Coverage A amount and does not cover business use. The limits can be increased through an optional endorsement. Contact your agent for more information.
Example: If your dwelling is insured for $200,000 under Coverage A, other structures would be covered for $20,000.

Coverage C - Personal Property Coverage

Personal Property Coverage, also known as Coverage C typically protects personal belongings of the insured wherever they may go.

Limits
Coverage for personal property is usually limited to 50% to 75% of your Coverage A - Dwelling Coverage amount. This amount can be increased by contacting your agent.
Example: If your dwelling were insured for $200,000, your personal property limit would typically be $150,000. Unless otherwise specified, Coverage C - Personal Property Coverage is for actual cash value at the time of loss, which is the original cost of the item, minus depreciation. Buying an endorsement can increase this coverage.

Coverage D - Loss of Use Coverage – Policies which include necessary increases in living expenses.

While you repair or rebuild an uninhabitable home damaged during a covered loss, where would you live? Loss of Use Coverage provides for temporary living expenses over and above your usual living expenses and may include things like furniture, food, shelter and pet kennel expenses.
Limits
Coverage for loss of use is usually limited to 20% of your Coverage A - Dwelling Coverage and applies when a covered loss makes your home not fit to live in.