Homeowners Insurance
What does homeowners insurance cover?
A standard homeowners policy offers protection for:
Your Home & Other Structures
Covers the main dwelling and other buildings on your property, like a detached garage or fence.Personal Property
Protects belongings such as furniture, electronics, and clothing from covered losses.Loss of Use
Helps pay for temporary living expenses if your home becomes uninhabitable due to a covered claim.Liability Coverage
Provides protection if someone is injured on your property or if you’re legally responsible for damage to someone else’s property.
Common covered perils
Most policies cover damage caused by events like:
Fire or lightning
Windstorms or hail
Smoke
Explosions
Theft or vandalism
Falling objects
Damage caused by vehicles or aircraft
What’s not typically covered?
While homeowners insurance offers broad protection, there are common exclusions:
Earthquakes & Floods
These require separate policies for coverage.
Wear and Tear or Maintenance Issues
Insurance won’t cover routine upkeep or deterioration.Pests & Mold
Infestations and mold damage are often excluded unless caused by a covered peril.
Optional coverage add-ons
Many clients don’t realize they can customize their policy with add-ons for broader protection. Consider listing:
Extended Replacement Cost
Helps cover rebuild costs that exceed your dwelling limit due to rising construction prices.Scheduled Personal Property
Higher coverage for valuables like jewelry, art, or collectibles.Water Backup Coverage
Covers damage from backed-up drains or sump pumps (not included in standard policies).Ordinance or Law Coverage
Pays for costs to rebuild up to current building codes after a covered loss.
Tip: Ask about these endorsements to better align your policy with your lifestyle and property type.
Ready to protect your home?
Contact us for a quote or coverage review—we’re here to help you find the right protection for your biggest investment.