About Homeowners Insurance
What is homeowners insurance?
Homeowners insurance provides you and your family with financial protection against disaster. Homeowners insurance is a package policy, which means that it covers damage to your property and your liability or legal responsibility for injuries and property damage that you or members of your family cause to other people.
Most disasters to your property are covered, however there are some notable exceptions. Damage caused by flood, earthquake, and general wear-and-tear are specifically excluded by the homeowners policy. Homeowners must purchase separate coverage for flood and earthquake. Maintenance-related problems are the homeowner's responsibility.
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Coverages
A standard homeowners insurance policy includes 5 basic coverages. Click on the links below for simple explanations of each coverage, and the recommended limits.
- Residence/Dwelling Coverage
- Other Related Structures Coverage
- Personal Property (Contents) Coverage
- Additional Living Expenses/Loss of Use
- Liability Coverage
Content 2
Protection
for your home
Your home likely represents one of the largest and most important financial investments in your life. That's why it makes sense to protect your house with a comprehensive and dependable insurance plan.
Get the coverage you need
Click the link below to get a competitive homeowners insurance quote.
