Home Insurance

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What is home insurance?

Home insurance, also commonly called hazard insurance or homeowner's insurance. This is a type of property insurance that covers a private residence.

It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory.

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Common Coverages Included in Home Insurance

Property Coverages

Coverage A – Dwelling

Covers the value of the dwelling itself (not including the land).

Coverage B – Other Structures

Covers other structures around the property. Typically limited at 10% to 20% of the Coverage A, with additional amounts available by endorsement.

Coverage C – Personal Property

Covers personal property, with limits for the theft and loss of particular classes of items.

Coverage D – Loss of Use/Additional Living Expenses

Covers expenses associated with additional living expenses (i.e. rental expenses).


Flood damage is typically excluded under standard homeowners and renters insurance policies. Flood coverage, however, is available in the form of a separate policy both from the National Flood Insurance Program (NFIP) and from a few private insurers.

Liability Coverages

Coverage E – Personal Liability

Covers damages which the insured is legally liable for and provides a legal defense at the insurer's own expense. About a third of the losses for this coverage are from dog bites.