A standard HO-3 homeowners policy (the most common) covers six main areas:

• Dwelling — the structure of your home
• Other structures — detached garage, fence, shed, pool
• Personal property — your belongings (furniture, electronics, clothing)
• Loss of use — additional living expenses if you can’t occupy your home after a covered loss
• Personal liability — injuries on your property or damage you cause to others
• Medical payments — small medical bills for guests injured on your property

Common exclusions that surprise homeowners:

• Flood (separate NFIP or private flood policy required)
• Earthquake (separate endorsement)
• Sewer or sump-pump backup (often available as an endorsement)
• Maintenance issues — gradual damage, chronic-leak mold, termites, wear and tear
• High-value items — jewelry, art, fine collectibles often need a scheduled rider above standard sub-limits
• Home-based business — usually requires an in-home business endorsement or a separate policy

We review the standard policy and flag the riders worth adding for your situation.