What Does My Homeowners Insurance Cover?

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Steve & Suzy T., Customers since 2013
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Homeowners Insurance Coverage for AARP Members

Homeowners insurance covers damage to your home, property and personal belongings by helping to pay the cost to repair or replace them. It also offers financial assistance for any additional living expenses if your home is destroyed and provides liability coverage in the event that someone is injured on your property. With the AARP® Homeowners Insurance Program from The Hartford,1 you'll have financial protection for your home and its contents.

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AARP Home Insurance 101

Learn more about the AARP Home Insurance Program from The Hartford in this video.
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Types of Homeowners Insurance Coverage

Insurance can help protect your house, garage, shed and other structures. We even help to cover your personal property, medical and legal bills, repair or replace damaged or stolen property, pay temporary living expenses and more.
 
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Choose the Best Types of Homeowners Insurance

Dwelling Insurance Coverage

Dwelling insurance coverage helps pay to repair or rebuild the structure of your home and the structures attached to it, such as roofs. It also includes internal systems like wiring and plumbing, plus heating and air conditioning. Most home insurance policies don’t cover damage from flooding or earthquakes, but there are additional coverage options to help if these situations occur.

Other Structures Insurance Coverage

This helps cover structures on your property that aren’t attached to your house. For example, if your shed collapses from heavy snow, other structures coverage can help cover the cost of damages.

Personal Property Insurance Coverage

Personal property coverage helps protect your personal belongings such as furniture, clothing and appliances. When you insure your personal property with replacement cost coverage, covered property that is stolen or damaged will be replaced with a comparable item at today’s value, not depreciated actual cash value.

Loss of Use Coverage

This coverage helps pay your living expenses, up to policy limits, if you cannot live in your home due to a covered loss or after suffering a loss. So, if your house is damaged from a fire and needs repairs, this coverage helps to cover the costs to stay in a hotel or rental.

Personal Liability Coverage

If someone who is not a resident of your household suffers an injury or property damage for which you are legally responsible, personal liability can help cover your legal defense costs and any court judgments against you, up to your policy limits.

Medical Payments Coverage

Medical payments coverage helps pay emergency medical bills if someone who isn’t a resident of your household is injured on your property. It also covers injuries caused by a member of your family or pet, regardless of where it happens. Bills are paid, up to policy limits, whether you’re legally responsible or not.2

Hazard Insurance Coverage

Hazard insurance coverage is a term used by mortgage lenders. It refers to coverage that helps protect your home from various hazards such as wind, fire, hail and theft. It is not different than dwelling coverage. This coverage may be required by your mortgage lender.
 

Optional Types of Home Insurance Coverages

If you’re concerned about significant damage to your home, these optional coverages can help you have greater peace of mind.

Additional Limits Coverage

If your home is deemed a total loss, full replacement cost coverage pays the full cost to rebuild your home up to 125% of your coverage limits. Depending on where you live, a coverage limit of up to 150% may be available.

ProtectorPLUS Zero Deductible Benefit Coverage

ProtectorPLUS Zero Deductible Benefit coverage waives the homeowners insurance deductible (up to $5,000) if your home is severely damaged by a qualifying loss of $32,900 or more. For example, if your home is struck by lightning and there is electrical and structural damage exceeding $32,900, ProtectorPLUS Zero Deductible Benefit coverage would waive your deductible.
how much coverage should i have for homeowners insurance

How Does Your Homeowners Insurance Stack Up?

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The AARP Homeowners Insurance Program from The Hartford offers the following coverages, to get just the right protection for your home:
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Coverage Type
"New for Old" Protection‡‡
Personal Injury Liability coverage
Reimbursement for Replacing Locks
Identity Fraud Expense Coverage
Disappearing Property Deductible‡‡
Equipment Breakdown Coverage
Valuable Items Blanket Coverage
Green Rebuilding Coverage
Replacement Plus or Easy Living Upgrade Coverage3
Water Backup and Sump Pump Overflow
Scheduled Personal Property
Rental Property Protection Plus Landlord Insurance
 
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Homeowners Insurance in Plain English

Quick answers and easy-to-understand homeowners definitions written with you in mind.
 
To learn more, read through our homeowners insurance definitions page.

Homeowners Insurance Coverage FAQs

Most standard homeowners insurance policies have the following coverages:
 
  • Dwelling coverage to help pay for repairs or rebuilding of the structure of your home.
  • Other structures insurance coverage to help cover buildings on your property that aren't attached to your house.
  • Personal property insurance coverage to help protect your personal belongings.
  • Loss of use coverage to help pay for living expenses if you can't live in your home due to a covered loss.
  • Personal liability coverage to help cover your legal defense costs and any court judgments against you, up to your policy limits, if someone who is not a resident of your household suffers an injury or property damage for which you are legally responsible.
  • Medical payments coverage to help pay for medical bills if a non-resident of your home is injured.2
Coverage A is the same as your dwelling coverage, which helps cover damage to your home’s structure.
Homeowners insurance helps protect the investment you’ve made in your home by providing financial protection for your home and its contents. Without it, you risk having to pay out of pocket if anything is damaged or destroyed. Additionally, most mortgage lenders require homeowners insurance if you have a loan on your home.

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Last Updated: April 25, 2025
 
Not all features and benefits are available in all states. Conditions and exclusions apply.
 
2 Medical payments are calculated on the basis of usual, customary and reasonable charges.
 
3 Covered by U.S. Patent No. 9,830,661.
 
‡‡ Terms and conditions apply.
 
Additional disclosures below.
AARP® Homeowners Insurance
Quick Links
FAQs
Coverages
Additional Resources
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. Home product is not available in all areas, including the state of FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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