What Is Homeowners Insurance?

Homeowners or home insurance is a type of property insurance policy designed to protect your home and assets in it. You can buy home insurance to protect your home or as a requirement for your mortgage.

Quality property insurance will give you peace of mind knowing you're protected no matter your financial position or where you live.

Why Do I Need Homeowners Insurance?

– Financial protection for your home against damage, theft, or vandalism under your policy's “covered perils.”  – Home repairs and replacement cost

What Risks Does a Homeowners Policy Cover?

The risks your home insurance covers are called “covered perils” in real estate insurance. These are instances of damage in which you're eligible to file an insurance claim.  

What Types of Properties Does Home Insurance Cover?

This coverage is among the basic homeowners insurance policy. Dwelling coverage protects the structure of the home you live in. For instance, the house’s roof, walls, and foundation.

Dwelling Coverage

Other Structures Within Your Property

A standard homeowners insurance policy will also provide coverage for other structures that are attached or separate from the house. These structures may include a detached car garage, deck, or fence against certain risks. 

Homeowners insurance will not only provide coverage for your home, but it will also protect your personal belongings inside and outside the house.

Personal Property Coverage

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