Homeowners Coverage

Protecting the Place You Call Home

Homeowners insurance is more than just a requirement for your mortgage; it is a vital safety net. It provides financial protection for your physical house, your personal belongings, and your legal liability if someone is injured on your property.

Since coverage options vary by state and policy type, choosing the right level of protection is key to securing your future.

Standard Coverage Essentials

Most homeowners policies are built around five core areas of protection:

• Dwelling Coverage: Covers the cost to repair or rebuild the structure of your home—including essential systems like plumbing, wiring, and HVAC—following a covered loss.

• Other Structures: Protects detached buildings on your property, such as garages, fences, sheds, and guest cottages.

• Personal Property: Reimburses you for the loss of personal items, including furniture, electronics, clothing, and appliances.

• Loss of Use: Covers temporary living expenses (like hotel bills and meals) if your home becomes uninhabitable due to a covered claim.

• Liability Insurance: Protects your financial assets by covering legal fees and damages if you or your family members are found responsible for injuring others or damaging their property.