Homeowners Insurance
What does a homeowners insurance policy typically cover?
Your Home and Other Structures: Protection for your dwelling and any other structures on your property.
Personal Belongings: Coverage for personal property like furniture and clothing.
Additional Living Expenses: Financial support for temporary living costs if you can’t stay in your home after a covered loss.
Liability Protection: Coverage in case someone is injured on your property or files a lawsuit against you.
What are you covered against?
Most homeowners insurance policies protect against damage to your home and other structures from various perils, including:
Fire and lightning
Wind
Smoke
Explosions
Aircraft or vehicle damage
Theft
Vandalism
Falling objects
What might not be covered?
While a standard homeowners insurance policy offers comprehensive protection, there are some exclusions to keep in mind. Earthquakes and floods typically require separate policies for coverage. Mold damage, general wear and tear, and vermin infestations are also generally excluded.
Save with some discounts for homeowners insurance
There are several options to help you save on your homeowners insurance. You can take advantage of a multi-policy discount by bundling your home and auto insurance with us. If you’re a new buyer, you may also qualify for a special discount. Additionally, installing a home security system can earn you further savings on your premium.