The typical home owners insurance policy essentially consists of 6 different parts, designated by the letters A-F on the policy. Each part plays a different role in your coverage.

1. House: This part describes the most important component of a homeowners insurance policy. Depending on the type of policy and its coverage, this part tells you how your house is covered. The total amount should be equal to what it costs for rebuilding (not the market value).
2. Other Structures: This coverage is for structures unattached to your house: swimming pool, tool shed, detached garage, etc. This coverage is usually limited to 10% of your total home insurance coverage (i.e. $100,000 = $10,000 for other structures).
3. Personal Property: Coverage for your personal belongings is detailed here. Items such as clothing, furniture and standard electronics are covered.  This component is sometimes limited to 40-50% of your total home insurance coverage.  This coverage may also contain certain exclusions and limitations, especially for more valuable items like jewelry, artwork and antiques. You may want to purchase additional endorsements for more comprehensive coverage.
4. Loss of Use: In the event your home is damaged to the extent of being uninhabitable, this coverage will pay for the living expenses away from home while waiting for repairs, rebuilding or maybe relocating.
5. Personal Liability: Protects you from liability claims should someone become injured on your property (i.e. your dog bites someone, your child breaks a window or a friend falls down the porch steps.) In the event of a lawsuit, this coverage will help pay for your legal defense.
6. Medical Expenses: Helps pay medical bills of those injured on your property or through your personal activities  (i.e. party, backyard football etc.).

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