What is Homeowners Insurance?
Homeowners insurance protects you from losses to your home and its contents as well as liability for accidents that may occur on the property. This type of insurance covers damage to your home and loss of use expenses from that damage, the contents within your home, and liability for accidents happening at the home.
Why do I need homeowners insurance?
- Dwellings and other structures - homeowners insurance covers damage to your home and other structures on your property such as a detached garage.
- Personal Property - homeowners insurance covers the contents and personal belongings within your household. This would include items from your couch to the clothes in your closet.
- Personal Liability - homeowners insurance protects you (up to the limits specified in the policy) if someone is injured on your property or if you damage the property of others.
This is the right coverage for you if:
- you want to protect the investment you made when purchasing your home
- you are required to purchase this type of insurance by a loan company
For example, if the tree in front of your house falls and causes damage to your roof, this would be covered by your insurance policy including the expenses if you are unable to stay in your home until the damage is repaired.
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View our series of articles to help you better understand how to keep your home safe and properly insured.
Want additional protection?
Purchase Umbrella Insurance for additional coverage beyond the limits of your homeowners policy.
Want to Save on Your Premium?
Clients who also purchase Auto, Watercraft, and/or Umbrella insurance through us have saved as much as 30% on their homeowners premium.