What Are The Six Categories Covered By Homeowners Insurance? 
The six categories are shown on a typical homeowners policy as coverage limits A-F . Coverages A-D are related to property insurance and Coverages E-F are related to liability insurance . Coverage A -LRB- Dwelling -RRB- applies to the coverage for the home , including any attached structures -LRB- e.g. , a garage -RRB- and permanently installed property -LRB- e.g. , hardwood flooring -RRB- . Coverage B -LRB- Other structures -RRB- applies to any detached structures on your property , such as a utility shed or detached garage . This limit is typically 10 % of the Coverage A limit with most carriers , but can be increased if needed . Coverage C -LRB- Personal Property -RRB- applies to coverage for your personal belongings that are other than the property described in Coverages A and B above . This limit is typically set at 60-75 % of the Coverage A limit depending on the carrier , but can be increased if needed . Coverage D -LRB- Loss of Use -RRB- applies if your home ever becomes uninhabitable due to a covered loss -LRB- e.g. , a fire loss -RRB- . It is there to provide for the living expenses associated with having to find temporary housing -LRB- apartment , hotel , etc. -RRB- . This limit is typically set at 20 % of the Coverage A limit with most carriers . Coverage E -LRB- Personal Liability -RRB- provides liability coverage for all of the people permanently residing in the home . Liability insurance provides coverage if you are legally responsible for an act that injures someone or someone else 's property . Coverage F -LRB- Medical Payments -RRB- provides coverage for medical expenses that result from injuries to others that occur on your premises . 