UNDERSTANDING YOUR COVERAGES

Coverage A, B, C and D.
The letters behind the protection.

These are common homeowners-policy labels. The policy form, declarations, exclusions and endorsements determine your actual coverage.

Coverage A · Dwelling

Your home and attached structures.

Typically addresses the house and attached structures, including qualifying built-in components. Check the insured limit, covered causes, valuation terms, and endorsements.

Explore Dwelling coverage definition →

Coverage B · Other Structures

Separate structures on the property.

Often addresses detached garages, sheds, and fences. Being outdoors alone does not decide the coverage. A building’s use, endorsements, or a requirement to list it separately can change how it is insured.

Explore Other structures definition →

Coverage C · Personal Property

Your contents and belongings.

Typically addresses belongings such as furniture, clothing, and electronics. Covered causes, valuation, special limits, and scheduled items can differ from the protection for the house.

Explore Personal property definition →

Coverage D · Loss of Use

Help when covered damage disrupts use.

Depending on the policy, benefits can include additional living expenses and other protections such as fair rental value. ALE concerns qualifying increases over normal living costs; it is part of Loss of Use, not an interchangeable name for every benefit.

Explore Loss of Use definition →

Look at both the letter and the name.

A description of the property is only the starting point. UCAG reviews the actual policy to help explain where an item fits. Explore the individual definitions above, or see how coverage and valuation affect claim payments.

National reference: NAIC — Understanding Your Homeowners or Renter’s Policy. Coverage labels and benefits vary by policy; read the declarations, policy form, and endorsements together.

You Pay Nothing
Unless We Win.

Schedule your free consultation today.

✓No Fees Unless
We Win▣No Obligation
Case Review◎100% Focused on Maximizing
Your Recovery

▣ Schedule Your
Free Consultation ☎ (405) 856-8008

Corporate Mailing Address
3033 NW 178th Street, Suite B-131
Edmond, OK 73012