Home Insurance

Owning a home is a huge responsibility, not to mention all of your possessions inside. With home insurance, you can sleep easy knowing that your home is financially protected from most disasters.

What is Homeowners Insurance?

Home insurance provides financial protection against disasters. A standard policy insures both the home itself and your possessions within it.

Home insurance is a package policy, which means that it covers any damage to your property in addition to your liability for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered, but there are certain exceptions. Two disasters that require separate coverage are floods and earthquakes.

Why Do I Need Home Insurance?

Home insurance is about protecting yourself financially if something unexpected should happen to your home or possessions. As your home is likely one of the biggest investments you’ll ever make, subsequently having home insurance is one of the smartest decisions you’ll ever make.

Benefits of Home Insurance

  • If your home was destroyed by fire or damaged by a natural disaster, home insurance will repair or replace it.
  • If a guest in your home is injured, liability protection and medical coverage will help cover expenses.
  • If you’re a victim of theft and vandalism, it will reimburse you for repair or replacement.
  • If you are still paying for your home, your lender will require insurance.

Important note: Home insurance is meant to cover unexpected damage, not routine maintenance. Be sure to read your policy and talk with your agent about what is covered under your policy.

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