The homeowner insurance policy is divided into sections. Each section has benefits and features. The home policy is divided into two main parts. When you see the declarations page on a home policy then you will see its structure very clearly.
Section I provides property coverage for the dwelling, other structures, personal property and additional living expense.
A.The Dwelling provides coverage to the dwelling and the structures attached to the dwelling.
B.Other Structures Provides coverage for other structures other than the dwelling that set a part from the dwelling.
C.Personal Property provides personal property coverage for the insured anywhere in the world.
D.Additional Living Expense provides additional living expenses to the insured if their dwelling becomes uninhabitable.
Section II provides liability insurance and medical payments to third parties.
A.Personal Liability- provides coverage in the event a claim or law suit is brought against the insured for damages because of bodily injury or property damage.
B.Medical Payments provides medical payments to others in the event the individual is injured and...
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