FAQs
Other structures coverage, also known as Coverage B, protects structures on your property not physically connected to your home, such as a detached garage, storage shed, gazebo, guest house, or fence.
Which of the following is not covered under coverage B? ›
Coverage B excludes the same perils as your dwelling insurance. These perils would include earthquakes, normal wear and tear, negligence, or flooding just to name a few.
What loss does Coverage B other structures of a homeowners policy apply to? ›
Other structures coverage is the section of a homeowners policy that pays if a fence, shed or other detached structure is damaged on your property.
What is coverage C in a homeowners policy? ›
Personal property coverage, which is Coverage C within home insurance policies, helps to pay for your personal items that have been damaged, destroyed or stolen due to a covered peril. It's standard protection within many home insurance policies and is pivotal to cover those personal items that mean the most to you.
What is the standard coverage for homeowners insurance? ›
Most standard homeowners policies include repairs or replacement due to storm damage, fire, wind, or other causes included in your policy. Things like age, neglect, or wear and tear are not typically covered. Shrubs and plantings are similarly covered.
What is Coverage B on a home policy? ›
Coverage B, also known as other structures insurance coverage, is the part of your homeowners policy that protects structures on your property not physically connected to your home, such as a detached garage, storage shed, or gazebo.
What does Part B not cover? ›
Treatment That Is Not Medically Necessary
This includes some elective and most cosmetic surgery, plus virtually all alternative forms of medical care such as acupuncture, acupressure, and homeopathy—with the one exception of the limited use of chiropractors.
Which one of the following could be insured under Coverage B of a homeowners policy? ›
Coverage B covers damage to other structures, such as a detached garage, work sheds, etc. And if you missed it, we're talking about homeowners insurance policies here.
What are two types of damage not typically covered by a person's homeowners insurance policy? ›
A standard homeowners insurance policy often covers losses like theft, vandalism and fire damage. However, homeowners insurance typically does not include coverage for floods or earthquakes.
Which of the following losses would not be covered by a homeowners policy? ›
Protecting that investment from fire and other perils is extremely important. Please note, homeowners insurance policies do not provide protection against losses from floods, earthquakes, mudslides, mudflows or landslides. You can learn more about what homeowners policies cover in this guide.
Coverage D — Loss of Use
This coverage will help with additional living expenses if your home is damaged by a peril insured against to the extent that you cannot live in your home. These expenses include, but are not limited to, housing, meals and warehouse storage.
What is the appropriate amount of insurance that you should have on your house? ›
Your dwelling coverage should equal the replacement cost of your house, which is the amount of money it would take to build a replica of your home. At the bare minimum, you should definitely have replacement cost coverage (or RCV) for your home, which is what pretty much all standard policies offer anyway.
What is the standard deductible on homeowners insurance? ›
What is a normal home insurance deductible? Home insurance deductible options will vary among insurance companies. However, most home insurance policy deductibles tend to be from $100 to $5,000. The average home insurance deductible is $1,000.
What is the most complete homeowners insurance policy coverage called? ›
Called a comprehensive policy, an HO-5 policy offers the highest level of insurance coverage for houses and belongings. It covers your house and belongings under all circ*mstances except those listed as exclusions in the policy. The exclusions for HO-5 policies are the same as those under an HO-3.
What is the best type of home insurance? ›
An HO-5 policy is the most robust option available, covering your home, your personal belongings, liability, additional living expenses and medical payments for others.
What is the 80% rule in homeowners insurance? ›
When it comes to insuring your home, the 80% rule is an important guideline to keep in mind. This rule suggests you should insure your home for at least 80% of its total replacement cost to avoid penalties for being underinsured.
Which of the following is not covered under Medicare Part B? ›
Which of the following is not covered by Medicare Part B? Medicare Part B covers outpatient services, rehab services, medical equipment (but not adaptive equipment), diagnostic tests, and preventative care. Eye, hearing and dental services are not covered by any part of Medicare and require supplemental insurance.
Which of the following services is covered by Part B? ›
emergency ambulance transportation. chemotherapy. durable medical equipment like wheelchairs, walkers, and oxygen equipment. emergency room care.
What does Part B cover quizlet? ›
Medicare Part B helps cover medical services such as doctors' services, outpatient care, and selected medical equipment.
What is not covered by broad peril coverage? ›
Broad form insurance only covers the perils that are listed on a policy. If a peril isn't specifically named, then it isn't covered. In general, broad form insurance does not cover earthquakes, floods, landslides, wear and tear, lack of maintenance, or mold.
