Insuring Personal Residential Property High-Yield Homeowners Coverage, Liability, And Claims Process Summary 2026

INSURING PERSONAL RESIDENTIAL PROPERTY
HIGH-YIELD HOMEOWNERS COVERAGE,
LIABILITY, AND CLAIMS PROCESS SUMMARY
2026

◉ 1 to 4 dwelling with boarders, vacations dwellings, rental
dwellings, dwellings under construction (endorsement), mobile
homes (endorsement), farm dwellings not eligible.
Answer: dwelling policy eligibility


◉ A, B, C, D, E.
Answer: dwelling property coverages


◉ dwelling.
Answer: dwelling property coverage A


◉ other structures (10% of coverage A).
Answer: dwelling property coverage B


◉ personal property on premises; off premise covered at 10%.
Answer: dwelling property coverage C

, ◉ fair rental value.
Answer: dwelling property coverage D


◉ additional living expense.
Answer: dwelling property coverage E


◉ Coverage E.
Answer: dwelling property coverage included with DP-2 and DP-3,
can be added to DP-1 by endorsement


◉ debris removal, property removed (5 days all perils), reasonable
repairs, renters improvements (10% of coverage C), fire department
service charge ($500, no deductible), worldwide personal property
(10% of coverage C).
Answer: other coverages automatically included


◉ all basic other coverages; trees, shrubs and plants (max $500
each, total 5% coverage A); collapse (caused by covered peril); glass;
ordinance or law (10% of coverage A); removal (30 days, 5 days for
DP-1).
Answer: other coverages: DP-2 and DP-3


◉ Other coverages of DP-2 and DP-3.