What is Homeowners Insurance?
Homeowners insurance protects your home, belongings, and family from unexpected disasters—fire, storms, theft, and more. It also provides personal liability coverage, so you can feel secure no matter what life brings.
Insure Your Home From:
Fire & Smoke Damage
Wind & Storm Damage
Theft & Vandalism
Personal Liability
Water Damage (not flood)
Loss of Use/Temporary Living Expenses
FAQ
What does homeowners insurance cover?
It covers your home, personal belongings, and liability if someone is injured on your property. Most policies also pay for living expenses if your home is uninhabitable after a covered loss.
What is not covered by homeowners insurance?
Standard policies exclude damage from floods, earthquakes, routine wear and tear, and some high-value items. You may need separate policies or endorsements for these risks.
How much coverage do I need?
Enough to fully rebuild your home and replace your possessions. Review your policy annually or after major upgrades to make sure you’re properly protected.
Does homeowners insurance cover water damage?
It typically covers sudden and accidental water damage (like burst pipes), but not flood damage. Flood coverage requires a separate policy.