What are the coverages included in a Homeowners (HO) Policy?

The coverages included in a Homeowners (HO) Policy are essential components designed to protect the insured's property and liability. The choice that includes dwelling, other structures, loss of use, and personal liability accurately reflects the core elements of a standard homeowners insurance policy.

• The dwelling coverage protects the physical structure of the home itself against perils like fire and vandalism.

• Other structures coverage extends protection to detached structures on the property, such as garages, sheds, and fences.

• Loss of use coverage applies in situations where a home becomes uninhabitable due to a covered event, providing financial support for living expenses during repairs.

• Personal liability coverage safeguards against legal claims or lawsuits stemming from injuries or damages to others for which the homeowner may be responsible.

By including these specific coverages, the Homeowners Policy provides a comprehensive framework for protecting both the physical property and the homeowner's financial well-being in various circumstances, making this option the most complete and correct representation of the coverages within an HO policy.