Your Home

Your policy covers your homeowners insurance—that includes the roof, walls, and floors. If damage occurs because of a covered event, like a fire or storm, you’ll have help paying for repairs or a rebuild.

Personal Belongings

Your furniture, electronics, clothing, and even jewelry all fall under personal belongings coverage. If theft or damage happens due to a covered event, you’ll be reimbursed to replace those items.

Liability Protection

Accidents happen. If someone gets hurt on your property and it’s your fault, liability coverage steps in. It helps pay for their medical bills or any legal fees if they sue.

Additional Living Expenses

If your home becomes uninhabitable due to a covered loss, you won’t be left stranded. This coverage helps pay for temporary housing, meals, or other necessary expenses while repairs are done.

Why Do You Need It?

Homeowners insurance isn’t just about keeping your property safe; it’s also about peace of mind. Life throws curveballs, and having coverage ensures you won’t face financial hardship because of an unexpected event. Plus, most mortgage lenders require it.

How Much Coverage Should You Have?

This depends on your home and personal situation. You’ll want enough coverage to rebuild your home entirely if the worst happens. Also, consider the value of your personal belongings and liability concerns when selecting your policy limits.

Additional Coverage Options

Standard policies are great, but every homeowner has unique needs. You may want to add endorsements or additional coverage for high-value items, floods, or earthquakes, depending on your location.

Choosing the Right Policy

Finding the right policy isn’t one-size-fits-all. Take the time to evaluate your needs and compare options. A knowledgeable insurance advisor can be a great resource in finding the perfect fit.