What are the primary coverages in Homeowner Property coverages A-D?

The primary coverages in Homeowner Property are identified as dwelling, other structures, personal property, and loss of use.

Dwelling coverage provides protection for the structure of the home itself, covering damages caused by specific perils such as fire, theft, or certain natural disasters. Other structures coverage extends this protection to additional buildings on the property, like garages, sheds, or fences, ensuring that these structures are also covered against similar risks.

Personal property coverage safeguards the homeowner's belongings, offering financial protection against damage or loss due to covered events. This includes items like furniture, electronics, and clothing. Lastly, loss of use coverage, also known as additional living expenses, compensates homeowners for living expenses incurred if their home becomes uninhabitable due to a covered loss, helping them maintain a standard of living during repairs or rebuilding.

These coverages are fundamental components of a homeowner's insurance policy, highlighting the comprehensive protection homeowners need for their residences and possessions.