Common Homeowners Coverage Areas
- ✓ Dwelling coverage for the home structure.
- ✓ Personal property coverage for belongings.
- ✓ Liability protection for covered injuries or damage involving others.
- ✓ Additional living expense coverage after certain covered losses.
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Key Shopping Factors
Visitors should compare dwelling limits, replacement cost versus actual cash value concepts, deductible levels, liability limits, and whether common local risks may need additional coverage.
Understanding Replacement Cost vs. Actual Cash Value
Replacement cost aims to pay the cost to replace damaged property, while actual cash value generally factors in depreciation. The difference in payout can be significant after a major loss.