1. The dwelling coverage (Coverage A) of a homeowners policy insures:

The house structure itself

Coverage A insures the dwelling structure, including attached structures.

2. Coverage C (personal property) of a homeowners policy generally covers:

The insured's household belongings

Coverage C protects the insured's personal property, often worldwide and subject to limits.

3. An HO-3 homeowners policy typically insures the dwelling on:

An open perils basis, with contents on a named perils basis

The HO-3 covers the dwelling on an open perils basis while covering personal property on a named perils basis.

4. In wildfire-prone areas of Arizona, an insurer may consider a property's wildfire risk when:

Underwriting, rating, or deciding whether to renew the policy

Insurers may factor wildfire exposure into underwriting, rating, and renewal decisions for Arizona properties.