Types of Coverage for Tampa Homeowners

When you work with us, we can help you create a homeowners insurance policy with several coverage types.

Coverage A: Dwelling

Dwelling coverage may help you pay for property damage to your home, attached structures and built-in appliances. The coverage typically covers events such as wind, lightning, fire or hail.

Coverage B: Other Structures

Other structures coverage may help you cover expenses for damage to structures that aren’t connected to your property, such as sheds or fences. Coverage B is usually 10% of the Coverage A limit, but it can be customized and increased based on the risk — such as a large detached structure requiring more coverage than the 10%. Detached structures such as garages and gazebos not connected to the primary house all fall under this category.

Coverage C: Personal Property

If your personal belongings are damaged or stolen, coverage can help you replace them. Depending on your unique situation, Coverage C can assist in repair or replacement.

Coverage D: Loss of Use

If your home is considered uninhabitable due to covered damage, “loss of use” may help you pay for temporary housing. Coverage D may also cover additional living expenses you incur, such as storage and meals, during temporary displacement.

Coverage E: Personal Liability

Personal liability coverage may help you pay for accidental property damage or injuries you are found liable for. Coverage E may also cover legal expenses if you are sued for a liability claim and found to be negligent.