A standard home insurance policy insures the home itself and the things you keep in it. Homeowners insurance is a package policy. This means that it covers damage to property whether your or another property owner and legal liability for any injuries you or members of your family cause to other people. This includes damage caused by household pets. Damage caused by many disasters are covered but there are exceptions.

Why would you need homeowners insurance?

  • If your home was destroyed by fire or damaged by a natural disaster, you’d need money to repair or replace it.
  • If a guest in your home is injured, liability protection and medical coverage help pay expenses.
  • If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs
  • If you are still paying for your home, your lender will require insurance.

It is important to know that a homeowners insurance policy is meant to cover unexpected damage, not routine maintenance. Ask our agents to talk about what is covered, and be sure to read your policy so you know exactly what’s included and what is not.