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Parts of an Insurance Policy: Understanding Coverage A, B, C, and D

Writer's picture: Kyle StaggsKyle Staggs

Updated: Oct 28, 2024

When handling a property insurance policy, understanding the different coverages is crucial. Homeowners’ insurance policies typically break down into four main parts: Coverage A, B, C, and D. Each section outlines the protection you receive for specific types of damage or loss. If you’re facing property damage or an insurance claim, knowing what each coverage entails can help ensure you recover the compensation you’re entitled to. 


Today, I’ll review in general, what these coverages mean and why they matter for your Florida Property Damage claim. 


Quick Answer Key:  

  • Coverage A: Dwelling Protection - Covers damage to your house itself, like the structure (roof, walls, floors) if it's damaged by things like fire or storms. 

  • Coverage B: Other Structures - “B” covers other buildings on your property, like a detached garage or fence. 

  • Coverage C: Personal Property – Covers your stuff inside the house, like furniture, electronics, and clothes, if they're damaged or stolen. 

  • Coverage D: Loss of Use – This covers additional living expenses if you have to live somewhere else temporarily while your home is being repaired. 


If you need assistance reviewing your unique insurance policy, please reach out to me Kyle Staggs, Esq. My firm is here to ease the stress of your property damage and have the experience to make you whole again.  


Coverage A: Dwelling Protection 

Coverage A is the backbone of your property insurance policy. This part covers the structure of your home itself, including the walls, roof, and any attached structures like garages or decks. If your home is damaged by a covered event (such as a fire, hurricane, or vandalism), this coverage helps pay for repairs or rebuilding. 


Why it’s important: Coverage A ensures that the physical structure of your home is protected, which is often the largest part of any claim after a major event like a hurricane or fire. It’s vital to ensure that your dwelling coverage is sufficient to cover the full cost of rebuilding your home if necessary. 


Coverage B: Other Structures 

Coverage B is for structures on your property that aren’t directly attached to your house, such as fences, sheds, detached garages, or guest houses. Like Coverage A, this part protects against damage from a covered peril. 


Why it’s important: Don’t overlook the value of these additional structures. Even though they’re not connected to your main home, they can still be expensive to repair or replace after damage. 


Coverage C: Personal Property 

Coverage C takes care of your personal belongings. This includes everything inside your home, from furniture and electronics to clothing and kitchenware. If your personal property is damaged or destroyed due to a covered peril (like fire, theft, or storm damage), Coverage C helps you replace those items. 


Why it’s important: Your home isn’t just a structure—it’s filled with your valuables and everyday items. This coverage ensures that you’re compensated for the loss of personal property, whether those items are inside the home or temporarily off-site, like in a storage unit. 


Coverage D: Loss of Use 

Coverage D, also known as loss of use, kicks in when your home is so damaged by a covered event that it becomes uninhabitable. This coverage helps pay for the additional living expenses you incur while your home is being repaired or rebuilt. That might include hotel stays, meals, and other essential expenses. 


Why it’s important: If a disaster leaves your home uninhabitable, sadly the costs can add up quickly. Loss of use coverage ensures that you and your family can maintain a standard of living while waiting for your home to be repaired. 


Why Understanding These Coverages Is Critical 

As a property damage attorney, I often see clients struggle with understanding the full scope of their policies. These coverages—A, B, C, and D—are there to protect you, but insurance companies sometimes underpay or deny claims based on technicalities. Knowing exactly what each coverage section includes helps you advocate for yourself and ensures you receive what you’re owed. 


If you’re facing challenges with your insurance claim or need help understanding the finer points of your policy, don’t hesitate to reach out. My focus is on helping homeowners and business owners navigate their claims, ensuring that you get the compensation you deserve. 

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