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  • Writer's pictureVincent Fuccilli

Home Insurance - What Is Covered

This summary highlights some notable coverages associated with your homeowners insurance policy and is only provided as guidance in helping you understand your policy. Note, there are many exclusions and you should refer to your policy and review.

Most homeowners policies in New Jersey include the following common coverages:

  • Dwelling (Coverage A) pays if your house is damaged or destroyed by a covered loss.

  • Other Structures (Coverage B) pays if structures not attached to your house, such as detached garages, storage sheds, and fences are damaged or destroyed by a covered loss.

  • Personal Property (Coverage C) pays if the items in your house (such as furniture, clothing, and appliances) are damaged, stolen, or destroyed by a covered loss.

  • Loss of Use (Coverage D) pays your additional living expenses (costs over the normal amount for housing, food, and other essential expenses) if you must temporarily move because damage to your house from a covered loss renders it uninhabitable.

  • Personal liability (Coverage E) pays to defend you in court against certain lawsuits and provides coverage if you are found legally responsible for someone else’s injury or property damage.

  • Medical payments (Coverage F) pays the medical bills of people hurt on your property. It might also pay for some injuries that happen away from your home, such as your dog biting someone at the park.

Policy Features

• Companies may exclude coverage for certain losses. Even the most comprehensive policy will exclude certain

types of damage.

• All policies include an all-peril deductible. The deductible is the portion for which you are responsible on a

covered property loss.

• Some policies may include a separate, optional wind/hail deductible, and/or a mandatory or optional hurricane


• Companies may offer optional coverages that include oil tank liability, coverage for water back up and sump

pump overflow, ordinance or law coverage, earthquake and scheduled personal property such as jewelry, fine

arts, furs or silverware.

Home insurance covers many perils.

Here are the most common types of damage covered under an H03 policy:

Your Policy May Cover Losses Caused BY

Covered Perils Graphic
Covered Perils Graphic

"Disclaimer: The content contained in this blog is for informational purposes only. It should not be considered insurance advice since every client's needs and circumstances are different. Bergen Insurance Group, LLC makes no representation as to accuracy, completeness, currentness, suitability, or validity of any information on this site and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use. All statements represent the sole opinion of the author and is provided on an as-is basis. For an actual description of all coverages, terms and conditions, refer to your insurance policy.”

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