Insurance can be confusing, but it doesn’t have to be.

Learn more about Coverage F and why it’s an important part of your home insurance.

People sometimes talk about home insurance as if it were a single type of coverage, but there are actually multiple types of coverage that make up your home insurance policy.

• Coverage A: Dwelling
• Coverage B: Other Structures
• Coverage C: Personal Property
• Coverage D: Loss of Use
• Coverage E: Personal Liability
• Coverage F: Medical Payments to Others

While most of these are pretty self-explanatory, the last two tend to cause some confusion. Aren’t med pay and personal liability the same thing?

Yes, there is a bit of overlap but these are actually very different forms of coverage.
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Disasters cost more than you think.

Luckily, loss of use coverage can help.

You were trying to follow a recipe for homemade French fries when all hell broke loose. The resulting grease fire took out most of your home.

Luckily, you have homeowners insurance to cover the damage. But now there are some additional expenses that you hadn’t even considered—a hotel bill, takeout dinners, laundry service—how are you going to pay for those?

Enter: Loss of use coverage.
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All you want is insurance…why is it so hard to choose?

Let’s go over the different types of home insurance policies to help narrow down your options.

Purchasing insurance can be one of the most difficult decisions to make as a homeowner.

From analyzing your budget to deciphering your Declarations page (what does all that jargon mean?!), you might be tempted to pick the cheapest policy and call it a day.

Not so fast!

In this article, we’ll go over the eight different types of home insurance and how to find the right policy for you.
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