{"id":133,"date":"2023-02-23T12:45:23","date_gmt":"2023-02-23T18:45:23","guid":{"rendered":"https:\/\/www.smollerinsurance.com\/blog\/?p=133"},"modified":"2023-02-23T12:45:23","modified_gmt":"2023-02-23T18:45:23","slug":"how-to-read-your-home-policy","status":"publish","type":"post","link":"https:\/\/www.smollerinsurance.com\/blog\/how-to-read-your-home-policy\/","title":{"rendered":"How to Read Your Home Policy"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.smollerinsurance.com\/blog\/wp-content\/uploads\/2023\/02\/Untitled-design-1-1-1024x683.png\" alt=\"\" class=\"wp-image-134\" srcset=\"https:\/\/www.smollerinsurance.com\/blog\/wp-content\/uploads\/2023\/02\/Untitled-design-1-1-1024x683.png 1024w, https:\/\/www.smollerinsurance.com\/blog\/wp-content\/uploads\/2023\/02\/Untitled-design-1-1-300x200.png 300w, https:\/\/www.smollerinsurance.com\/blog\/wp-content\/uploads\/2023\/02\/Untitled-design-1-1-768x512.png 768w, https:\/\/www.smollerinsurance.com\/blog\/wp-content\/uploads\/2023\/02\/Untitled-design-1-1-1536x1025.png 1536w, https:\/\/www.smollerinsurance.com\/blog\/wp-content\/uploads\/2023\/02\/Untitled-design-1-1.png 1619w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Coverage A, B, C, D&#8230; what does that even mean?<\/figcaption><\/figure>\n\n\n\n<p>Whether you live in a house, condominium, or apartment, your home needs to be protected &#8212; and you need to understand <em>how<\/em> it is protected! <\/p>\n\n\n\n<p>Here is your guide to understanding every kind of coverage listed on your <strong>home<\/strong> <strong>policy<\/strong>&#8216;s declarations page (AKA your full policy document).<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Coverage A\/Dwelling<\/strong>: This is probably the most important part of a homeowners policy! This covers the structure of your home and many parts that help create it, such as floors, windows, and doors.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Coverage B\/Other Structures<\/strong>: Covers stand-alone structures on your property, like fencing or sheds.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Coverage C\/Personal Property<\/strong>: Covers personal belongings that aren&#8217;t built into the structure of your home. This includes furniture, clothing, electronic devices, etc.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Coverage D\/Loss of Use<\/strong>: Covers temporary living expenses while your home is being repaired from a serious claim.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Coverage E\/Personal Liability<\/strong>: Pays for expenses related to an injury or property damage sustained by others for which you or covered residents of your household are liable.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Coverage F\/Medical Payments to Others<\/strong>: pays for expenses related to an injury that occurs on your property \u2014 whether you\u2019ve been found liable or not<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Deductible<\/strong>: The amount you pay to repair damage in a claim before your insurance starts to pay<\/li>\n<\/ul>\n\n\n\n<p>If you have a <strong>condo policy<\/strong>, then you have all of the above coverages <strong>except <\/strong>for Coverage B\/Other Structures.<\/p>\n\n\n\n<p>If you have a <strong>renters policy<\/strong>, then you only have Coverages C through F. <\/p>\n\n\n\n<p>Still confused? Let us know. We&#8217;ll be happy to discuss your coverages.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Whether you live in a house, condominium, or apartment, your home needs to be protected &#8212; and you need to understand how it is protected! Here is your guide to understanding every kind of coverage listed on your home policy&#8216;s declarations page (AKA your full policy document). If you have a condo policy, then you [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-133","post","type-post","status-publish","format-standard","hentry","category-insurance"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.smollerinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/133","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.smollerinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.smollerinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.smollerinsurance.com\/blog\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.smollerinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=133"}],"version-history":[{"count":3,"href":"https:\/\/www.smollerinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/133\/revisions"}],"predecessor-version":[{"id":147,"href":"https:\/\/www.smollerinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/133\/revisions\/147"}],"wp:attachment":[{"href":"https:\/\/www.smollerinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=133"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.smollerinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=133"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.smollerinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=133"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}