Most people have a hard time understanding their home insurance policy. Generally, there are 2 sections that are automatically included. Section I is generally titled “Property” and provides certain coverages on the property, contents and loss of use of the property. Section I includes Coverage A, which provides insurance coverage for the dwelling; Coverage B, which provides insurance coverage for other structures detached from the dwelling (like a shed, fence or detached garage); Coverage C, which provides insurance coverage for the home owner’s personal property; and Coverage D, which provides insurance coverage for loss of use of the dwelling. Section II is generally titled “Liability” and generally provides coverages for bodily injury and property damage of others by the negligence of the property owner. In Section II, you will find Coverage E, which provides personal liability coverage – this makes the insurance company liable to pay up to the liability amount set in the policy for all bodily injury or property damage to others that is covered by the policy. In Section II, you will also find Coverage F, which is commonly known as “Med-Pay,” and this provides a limited amount of coverage to pay for the medical expenses of a person (not the property owner) who is injured on the property.

This is only a general primer. Insurance policies can be very complex and hard to understand. For all your insurance needs, or if you are considering making an insurance claim, reach out to the attorneys at Mag Mile Law at (708) 576-1624 or [email protected].