Homeowners Insurance

Homeowners insurance is a type of property insurance that provides financial protection against damage to your home and personal belongings due to events like fire, storms, theft, or vandalism. It also offers liability coverage if someone is injured on your property or if you accidentally cause damage to someone else’s property. A standard homeowners policy gives you peace of mind by helping cover repair costs, replacement, and even temporary living expenses if your home becomes uninhabitable due to a covered loss.

Why do you need it?

Your home is likely one of your most valuable assets and protecting it is essential. Homeowners insurance ensures that you’re not left facing major financial burdens after unexpected events. Whether it’s rebuilding after a fire, replacing stolen valuables, or covering legal expenses if a guest is injured on your property, the right coverage helps you recover faster. In many cases, mortgage lenders also require homeowners insurance as a condition of the loan, making it not just a smart decision but often a necessary one.

What does it Cover?

A standard homeowners insurance policy typically includes:

Dwelling Coverage – Protects the structure of your home from covered perils.
Other Structures – Covers detached structures like garages, fences, or sheds.
Personal Property – Helps replace or repair belongings that are damaged or stolen.
Loss of Use – Covers additional living expenses if you can’t live in your home during repairs.
Liability Protection – Offers legal and medical coverage if someone is injured on your property.
Medical Payments to Others – Pays for minor injuries to guests, regardless of fault.