Understanding your policy coverages

October 13, 2025 Homeowner

Did you know a home insurance policy provides financial protection against damages, theft, and liability, but coverage varies based on the policy?

A homeowner's policy covers dwelling, personal property, and other structures, loss of use, and liability in medical.

Dwelling coverage covers your house and other permanent structures on your property from damage caused by fire, severe weather, and other covered perils. Keep in mind policy options and coverage exclusion vary by state.

Personal property coverage helps pay to repair or replace furniture, clothing, and uniforms, electronics, tools, and other belongings if they're destroyed in a covered loss.

Coverage for necessary additional living expenses that you incur if your home is damaged by a covered loss, requiring you to reside elsewhere during the repairs, up to your policy's limits.

Personal liability coverage helps protect your assets if you or your family members are liable for someone else's damage or injuries. While medical covers medical expenses for guests who are accidentally injured at your home.

Homeowner insurance isn't a “one size fits all” policy. That's why you have an option to add additional coverages that allow you to customize your policy to your unique needs.

Armed Forces Insurance: home insurance from people you can trust

Armed Forces Insurance has been a trusted advisor to American armed forces service members and veterans for more than 135 years. We’re not a giant corporate skyscraper full of slick insurance executives. We’re a small company headquartered just down the road from Fort Leavenworth in Kansas. We know each other, and our customers know us. If you’re looking for someone you can trust to shoot you straight and help you protect your home and property, check out our homeowner insurance page.