What are the major coverages included in a HO policy?

• A. Coverage A - Dwelling; Coverage B - Other Structures; Coverage C - Personal Property; Coverage D - Loss of Use
• B. Coverage A - Homeowners Liability; Coverage B - Medical Payments; Coverage C - Personal Property; Coverage D - Loss of Value
• C. Coverage A - Dwelling; Coverage B - Personal Property; Coverage C - Other Structures; Coverage D - Additional Living Expenses
• D. Coverage A - Dwelling; Coverage B - Liability; Coverage C - Personal Property; Coverage D - Loss of Use

Answer: (A)

The main idea here is recognizing the four major property coverages that a typical Homeowners policy provides to protect the home and its contents. The correct set includes Dwelling, Other Structures, Personal Property, and Loss of Use. Coverage A covers the dwelling itself and attached structures; Coverage B covers non-attached structures like a detached garage or shed on the same property; Coverage C protects your personal belongings inside the home (and sometimes away from home, within limits); Coverage D covers Loss of Use, helping with additional living expenses if you can’t live in the home due to a covered peril.

The other choices mix in liability or medical payments as if they were major property coverages, or swap the property categories around, or replace Loss of Use with something like Loss of Value. Those don’t reflect how a Homeowners policy organizes its primary property protections, so they’re not correct.