About Home Insurance - Homeowners Insurance Basics

A typical homeowners insurance policy might offer the following coverage. Click on each of the terms to find out what they mean:

Coverage Limits
Dwelling Protection	$100,000 Limit
Other Structure Protection	$10,000 Limit
Personal Property Protection	$50,000 Limit
Loss of Use Coverage	$15,000 Limit
Family Liability Protection	$100,000 Limit
Guest Medical Protection	$2,500 Limit
Additional Policy Features
Property Deductible	$250 All Perils
Replacement Coverage All Risk Coverage (Exclusions: Flood, Earthquake, War, Nuclear Accident)

Total Cost/Premium	$585 per year