HO Policy Forms Have Two Sections

Your property will be covered under four different categories starting with your actual dwelling, adding other structures such as perhaps a garage, then your personal property such as furniture and, lastly, loss of use. . .who'll pay for the motel you have to stay in while you're house is being cleaned up from last week's flood, fire, tornado, etc.?

Section I, Property, has 4 types of coverage:

• Coverage A -- dwelling
• Coverage B -- other structures
• Coverage C -- personal property
• Coverage D -- loss of use

Your liability insurance will protect you on two fronts: first, a comprehensive element for when one of your elegant old trees falls on your neighbor's garage and car and perhaps even on your neighbor, and second, medical payments coverage for when your clumsy mailman slips on your front steps and twists his tender ankle, requiring a visit to the ER and an Ace bandage.

Section II, Personal Liability, has 2 types of coverage:

• Coverage E -- comprehensive liability: generally at least $300,000 per occurrence for your liability for bodily injury or damage to the property of others and,
• Coverage F -- medical payments to others: generally recommend $5,000 per occurrence for medical bills if someone is injured on your property.

For more details on liability insurance see Liability Insurance.