Homeowners Insurance
Homeowners insurance helps protect your home, belongings, and financial security from unexpected events.
Homeowner’s Insurance
Homeowners insurance helps protect your home, belongings, and financial security from unexpected events.
About Homeowner’s Insurance
Get a Homeowner’s Insurance Quote
About Homeowners Insurance
Whether you’re purchasing a new home or have already paid off your mortgage, homeowners insurance plays a critical role in protecting one of your most valuable assets. A home is often the largest investment a person makes, and homeowners insurance helps protect both your property and your financial well-being.
Homeowners insurance provides coverage for a wide range of risks, helping safeguard your home, personal belongings, and liability exposures.
When Is Homeowners Insurance Required?
In many cases, homeowners insurance is required. If you have a mortgage, your lender will typically require proof of homeowners insurance before funding or refinancing your loan. This ensures the lender’s financial interest in the property is protected if the home is damaged or destroyed by a covered event such as a fire.
Depending on where your home is located, lenders may also require additional coverage. For example, homes in high-risk flood zones may require flood insurance.
If homeowners insurance is not maintained, lenders may purchase insurance on your behalf and charge you for it. These lender-placed policies are often more expensive and may provide more limited coverage than a policy you obtain independently.
What Does Homeowners Insurance Cover?
A standard homeowners insurance policy typically protects more than just the structure of your home. Coverage may include:
Dwelling Coverage
Helps pay for repairs or rebuilding if your home or attached structures, such as a garage or deck, are damaged by a covered peril. Coverage amounts are based on rebuilding costs, not market value.Other Structures Coverage
Provides coverage for detached structures on your property, such as sheds, fences, or detached garages.Personal Property Coverage
Helps replace personal belongings, including furniture, clothing, appliances, and electronics, if they are stolen or damaged due to a covered loss.Personal Liability Coverage
Helps cover legal and medical expenses if you or a household member are found responsible for injuring someone or damaging their property.Guest Medical Protection
Helps pay medical expenses if a guest is accidentally injured on your property, regardless of fault.Additional Living Expenses Coverage
Helps cover temporary living costs, such as hotel stays or meals, if your home becomes uninhabitable due to a covered claim.
Get a Homeowners Insurance Quote
Talk with a local agent to find the right coverage for you.