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Law Offices of Scott Glovsky

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OUR OFFICES:
  • Claremont
    • 343 Harvard Avenue
      Claremont, CA 91711Get Directions
    • Call: (909) 296-7700
  • Pasadena
    • 299 N. Euclid Ave.
      Second Floor
      Pasadena, CA 91101
      Get Directions
    • Call: (626) 243-5598

(626) 243-5598

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  • Home
  • About
    • About Our Firm
    • Attorney Scott Glovsky
    • How Our Firm Has Changed Lives
    • How We Operate
  • Practice Areas
        • Health Insurance Denials
          • Insurance Bad Faith
          • Health Insurance Claim Denials
          • Medical Necessity Denials
          • Experimental/Investigational Denials
          • Out-of-Network Denials
          • Insurance Policy Rescission
          • Health Insurance Denials Public Employees
          • We Fight All Health Insurance Companies, Including:
            • Aetna Denial
            • Anthem Blue Cross Denial
            • Blue Shield of California Denial
            • Health Net Denial
            • Kaiser Permanente Denial
            • OSCAR Health Plan Denial
            • Magellan Healthcare Denial
            • Molina Healthcare Denial
            • Regal Medical Group Denial
            • UnitedHealthcare Denial
        • Medications
          • Prescription Denial
          • Gene Therapy
          • Cancer Treatment
            • Proton Radiation Therapy
          • New Cancer Drugs
          • Expensive Drugs
          • Biologic Drugs
          • Intravenous Immunoglobulin (IVIG)
          • Enbrel
          • Ketamine
          • POLIVY
          • Spinraza
          • Zolgensma
          • Harvoni
          • Humira
          • Stelara
          • Remicade
          • Entyvio
          • Radicava
        • Injuries & Surgeries
          • Spinal Cord Injury
          • Brain Injury
          • Surgery
          • Back Surgery
          • Respite Care
          • Prosthetic Limb
          • Ablation Surgery
        • Health Conditions
          • ALS
          • Alzheimer’s Disease and Dementia
          • Autism
          • Autoimmune Disorders
            • Ankylosing Spondylitis
            • Crohn's Disease
            • Fibromyalgia
            • Multiple Sclerosis
            • Lupus
          • Cancer
          • Cerebral Palsy
          • COVID-19
          • Eating Disorder
          • Heart Conditions
          • Hydrocephalus
          • Mental Health
          • Osteoarthritis
          • Parkinson's Disease
          • Postural Orthostatic Tachycardia Syndrome
          • Rheumatoid Arthritis
          • Spinal Muscular Atrophy
          • Substance Use Disorders & Addiction
          • Ulcerative Colitis
        • Personal Injury
          • Accidents
            • Bicycle Accidents
            • Car Accidents
            • Motorcycle Accidents
            • Truck Accidents
          • Traumatic Brain Injury
          • Catastrophic Injury
          • Burn Injury
          • Wrongful Death
          • Premise Liability
          • Slip & Fall
          • Product Liability
          • Nursing Home Abuse
          • Elder Abuse
        • Sexual Abuse
          • Types of Sexual Abuse
          • Child Sexual Abuse
          • Campus Abuse
          • Special Needs Abuse
          • Abuse at School
          • Abuse at Camp
          • Abuse by a Clergy Member
          • Abuse by Athletic Coaches
        • Business Issues
          • Employment & Business Issues
          • Broker & Agent Negligence
          • Business Contingency Litigation
          • Unfair Business Practices
          • Workplace Harassment
          • Wrongful Termination
          • Whistleblower
            • Qui-Tam
  • Results
    • Testimonials
    • Case Results
  • In The Media
  • Resources
    • Frequently Asked Questions
    • Trial Lawyer Talk Podcast
    • Fight Health Insurance Denials Book
    • Download Our eBook
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    • Sign Up for Our Mailing List
    • Power of Resilience Scholarship
  • Contact

What Coverage is Available Through My Homeowners’ Insurance Policy?

Home » Frequently Asked Questions » What Coverage is Available Through My Homeowners’ Insurance Policy?

While the exact terms of homeowners’ policies differ, most policies include similar sections.  This article breaks down the various parts of most property insurance policies starting with a general understanding of homeowners’ insurance followed by a detailed discussion of each type of coverage generally included within most policies.

Click to Explore This Page >

  • What is Homeowners’ Insurance?
  • What are the Parts of a Homeowners’ Insurance Policy?
  • What is Dwelling Coverage?
  • What is Other Structure Coverage?
  • What is Personal Property Coverage?
  • What is Additional Living Expenses Coverage?
  • What is Personal Liability Coverage?

What is Homeowners’ Insurance?

Homeowners’ insurance policies generally protect you from certain property and liability risks. They often provide payment for damage to your home, other structures on your property, additional living expenses, and personal property. Also, if a person is hurt on your property as a result of your lack of reasonable care, then your policy may also cover medical care and other related liabilities.

What are the Parts of a Homeowners’ Insurance Policy?

Most homeowners’ policies generally consist of “form terms.”  These terms generally include: (1) a Declarations Page; (2) a Definitions Page; (3) a section describing coverage for loss of property (dwelling, other structure, additional living expenses, and personal property); and (4) a section describing liability coverage.  The first section, the Declarations Page, generally includes the specific terms unique to your contract and will usually include your specific policy’s number, the amount of time for which coverage is provided, your name and address, the address of the home that is insured, specific limits of coverage, monthly premium costs, deductible amounts, and the names of any endorsements. This is a good place to start when reviewing your policy to understand the basic terms.

What is Dwelling Coverage?

Dwelling coverage provides that the insurance company will provide payment if your home itself is damaged or destroyed. If you have a condominium unit then your policy’s dwelling coverage likely only insures the inside of your condominium and not that of the overall building.

What is Other Structure Coverage?

Other Structure coverage provides insurance for structures and buildings on your property other than your home or structures attached to your home, such as an attached garage. This can include coverage for sheds, adjacent dwelling units, and detached garages that are damaged or destroyed.

What is Personal Property Coverage?

Personal property coverage allows you to recover the money for damage or destruction of personal property such as furniture and appliances.  This does not include items that are permanently affixed to your home like light fixtures.  Sometimes homeowners’ insurance policies provide for full replacement costs of such items and sometimes merely provide for a percentage of the costs.

What is Additional Living Expenses Coverage?

Additional Living Expenses coverage provides payment of the costs that you incur if your home is damaged or destroyed and you need to live somewhere else while it is being rebuilt or repaired.  These costs can include items like hotel bills, additional transportation costs, and costs of meals.

What is Personal Liability Coverage?

Personal Liability coverage provides payment of costs arising out of any claims by others who were injured or suffered damage to their own property while on your property. This coverage also often requires your insurer to pay to defend you in a lawsuit brought by someone injured on your property and pay any awards that a court grants to that person.  Keep in mind, though, that the insurer will usually only pay up to the limit of the policy to defend you and pay out awards.

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343 Harvard Avenue
Claremont, CA 91711
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Copyright © 2022 Law Offices of Scott Glovsky
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The Law Offices of Scott Glovsky is a Professional Corporation. Information on this website is not intended as and is not legal advice. The information does not establish an attorney-client relationship. Case results are not a prediction or guarantee of potential case outcomes. This website is an attorney advertisement.

  • Home
  • About
    ▼
    • About Our Firm
    • Attorney Scott Glovsky
    • How Our Firm Has Changed Lives
    • How We Operate
  • Practice Areas
    ▼
    • Health Insurance Denials
      ▼
      • Insurance Bad Faith
      • Health Insurance Claim Denials
      • Medical Necessity Denials
      • Experimental/Investigational Denials
      • Out-of-Network Denials
      • Insurance Policy Rescission
      • Health Insurance Denials Public Employees
      • We Fight All Health Insurance Companies, Including:
        ▼
        • Aetna Denial
        • Anthem Blue Cross Denial
        • Blue Shield of California Denial
        • Health Net Denial
        • Kaiser Permanente Denial
        • OSCAR Health Plan Denial
        • Magellan Healthcare Denial
        • Molina Healthcare Denial
        • Regal Medical Group Denial
        • UnitedHealthcare Denial
    • Medications
      ▼
      • Prescription Denial
      • Gene Therapy
      • Cancer Treatment
        ▼
        • Proton Radiation Therapy
      • New Cancer Drugs
      • Expensive Drugs
      • Biologic Drugs
      • Intravenous Immunoglobulin (IVIG)
      • Enbrel
      • Ketamine
      • POLIVY
      • Spinraza
      • Zolgensma
      • Harvoni
      • Humira
      • Stelara
      • Remicade
      • Entyvio
      • Radicava
    • Personal Injury
      ▼
      • Accidents
        ▼
        • Bicycle Accidents
        • Car Accidents
        • Motorcycle Accidents
        • Truck Accidents
      • Traumatic Brain Injury
      • Catastrophic Injury
      • Burn Injury
      • Wrongful Death
      • Premise Liability
      • Slip & Fall
      • Product Liability
      • Nursing Home Abuse
      • Elder Abuse
    • Injuries & Surgeries
      ▼
      • Spinal Cord Injury
      • Brain Injury
      • Surgery
      • Back Surgery
      • Respite Care
      • Prosthetic Limb
      • Ablation Surgery
    • Health Conditions
      ▼
      • ALS
      • Alzheimer’s Disease and Dementia
      • Autism
      • Autoimmune Disorders
        ▼
        • Ankylosing Spondylitis
        • Crohn’s Disease
        • Fibromyalgia
        • Multiple Sclerosis
        • Lupus
      • Cancer
      • Cerebral Palsy
      • COVID-19
      • Eating Disorder
      • Heart Conditions
      • Hydrocephalus
      • Mental Health
      • Osteoarthritis
      • Parkinson’s Disease
      • Postural Orthostatic Tachycardia Syndrome
      • Rheumatoid Arthritis
      • Spinal Muscular Atrophy
      • Substance Use Disorders & Addiction
      • Ulcerative Colitis
    • Sexual Abuse
      ▼
      • Types of Sexual Abuse
      • Child Sexual Abuse
      • Campus Abuse
      • Special Needs Abuse
      • Abuse at School
      • Abuse at Camp
      • Abuse by a Clergy Member
      • Abuse by Athletic Coaches
    • Business Issues
      ▼
      • Employment & Business Issues
      • Broker & Agent Negligence
      • Business Contingency Litigation
      • Unfair Business Practices
      • Workplace Harassment
      • Wrongful Termination
      • Whistleblower
        ▼
        • Qui-Tam
  • Results
    ▼
    • Testimonials
    • Case Results
  • In The Media
  • Resources
    ▼
    • Frequently Asked Questions
    • Trial Lawyer Talk Podcast
    • Fight Health Insurance Denials Book
    • Download Our eBook
    • Helpful Resources
    • Blog
    • Guides
    • Sign Up for Our Mailing List
    • Power of Resilience Scholarship
  • Contact