How To Read A Home Insurance Quote? 
I would just like to elaborate on the above answer : Coverage is designated by letters and sections , where section one covers property and section two covers liability . SECTION 1 : A - Dwelling B - Other Structures C - Personal Property D - Loss of use SECTION 2 : E - Liability -LRB- negligence must be proven -RRB- F - Medical Payments to others -LRB- no negligence has to be proven -RRB- In later sections will be the additional coverage such as scheduled property , additional causes of loss -LRB- flood , earthquake -RRB- and any scheduled exclusions . I hope this puts the above answer in context of your policy . 