How much of the exterior of my personal property is covered by my homeowners insurance - driveway, fencing, etc.?

Even though many people don't realize this, but homeowner's insurance covers much more than just your house. A standard homeowner's policy provides broad coverage for your personal property and other structures located in and around your home. There really is no specific answer on exactly how much exterior of your personal property will be covered because different insurance companies offer different protections. Look at your policy once more and see just how much of your house is covered.

Different sorts of coverage are included in every standard homeowners insurance policy. HO-3, HO-2 and HO-1 are the three standard policy types that are available for most homes. Coverage C insures all of your household possessions and other items such as awnings, outdoor antennas, carpeting and other personal property. The limit on the Coverage C amount is usually 50 percent of the Coverage A amount (1/2 the protection amount). Coverage B insures structures including detached garages, fences, driveways, swimming pools, sidewalks and other structures on the premises. The limit on coverage B is usually 10 percent of the coverage a amount.

Coverage A covers everything permanently attached to the structure of your home. Unlike Coverage B and Coverage C, Coverage A is considered to provide the most coverage for your home. There are various sorts of protection for homes. Since there really is no specific answer on exactly how much of the exterior of your property is covered, take a look at your policy and see for yourself. Purchasing a house is probably the largest investment that most people will ever make in their entire lives. Purchasing insurance for a house is just as important. If you don't understand what exactly the policy says, then contact your insurance agent and specifically discuss how much coverage your house has.