A while ago, we gave an overview of some basics in a homeowner’s policy. Today, we are going to look at a few more items that may be in your policy.

As we said, Section I—Coverages A-D—are the property sections, covering the home and personal property. Section II—Coverages E & F—are the liability sections of the policy. Coverage E covers Personal Liability, which covers the named insured for negligent actions not related to an auto or business activity. Under this section, the policy/company cover legal defense costs and damages up to the policy limit. Coverage F is Medical Payments to Others. This provides some coverage in the event an individual is injured on your property and requires medical attention. Review your policy to see the coverage amounts and any restrictions that may be in your policy terms.

Some other things to look for in your policy: Under Section I, there are additional coverages that limit the amount you may recover on certain losses. Examples include:

• Debris removal (in the event of a total loss);
• Tree debris removal—if caused by a storm & it damages a covered structure;
• Trees & Shrubs—5% of Coverage A, limited to $500 per tree/shrub, and caused by lightning, fire, vandalism or theft.
• Fire Department Service Charges
• Collapse of building, if it makes the building unfit for its current intended purpose; does not apply to decks, awnings, fences, pools, septic tanks, retaining walls or piers.
• Grave markers

These are very basic, generalizations. Each insurance company and policy has their own coverages and limitations. Please review your full policy, and check with an insurance agent if you have questions about any of your coverages.

Each insurance policy is unique. While some generalities can be made, each situation should be reviewed on a case-by-case basis. This is not considered advice on any specific insurance matter. Please contact an agent to discuss any concerns you may have.