The homeowner policy is designed to insure several separate interests of the homeowner. Listed below are eight major coverage sections that most homeowner policies will include.

1. Dwelling
   The policy will cover the dwelling to either the rebuilding value or to the market value, depending on which policy form applies. The basic perils included in all forms are fire, lightning, windstorm, hail, aircraft, riot, vehicle damage, explosion, smoke, vandalism and malicious mischief. The five forms available are H0-8, H0-1, H0-2, H0-3 and H0-3/15. See our policies and forms page for a detailed description.

2. Detached Structures
   Coverage is also extended to include detached garages, sheds or other structures on the property.

3. Personal Property
   This would include televisions, furniture, clothing, and other personal effects. These are covered to their actual cash value, unless a replacement cost endorsement is included.

4. Moving and Temporary Living Expenses
   In the event that a home is uninhabitable after damage has occurred, the policy will cover the cost of moving, and the motel, hotel or furnished apartment expenses.

5. Personal Liability
   This section covers a homeowner and the family members living in the home for any bodily injury or property damage they cause through accident or negligence to another's body or property. This coverage applies to an injury or damage anywhere in the world.

6. Medical Payments
   This section provides payment for an injured party's medical expenses resulting from an event involving the homeowner or resident family member. The policy covers the payments with or without any other legal action.

7. Other Property
   Limited coverage for jewelry, silver, guns, cameras, furs, money, musical instruments and golf clubs may also be included.

8. Endorsements
   Coverage for specific pieces of jewelry, furs and antiques can be added to insure these items to their full replacement or antique value.