What is typically covered under Coverage A in homeowners insurance?

Coverage A in homeowners insurance typically refers to the coverage of the structure of the home itself. This means that it provides financial protection for the dwelling against covered perils such as fire, theft, vandalism, and certain types of weather damage. This coverage is fundamental for homeowners because it ensures that the primary asset—the home—can be repaired or rebuilt in the event of a significant loss.

In contrast, other options represent different areas of coverage. Liability coverage pertains to injuries or damage caused to others, while personal belongings like furniture, clothing, and appliances fall under separate coverage, usually referred to as personal property coverage. Detached structures, such as garages or sheds, are often covered under a different section, typically Coverage B. Thus, Coverage A's focus is specifically on the main structure of the home, making it essential for homeowners to protect their investment.