What is Homeowners Insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it. It's a package policy — meaning it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.
Property Protection
Covers the structure of your home and your personal belongings against most disasters, theft, and vandalism.
Liability Protection
Protects you against lawsuits for bodily injury or property damage that you or your family members cause to others.
Why You Need It
- Your home is likely your largest investment. If destroyed by a fire or natural disaster, you will need money to rebuild.
- If a guest is injured on your property, liability and medical coverage help pay expenses and legal fees.
- Theft and vandalism can be reimbursed, replacing valuable personal property.
- Lenders legally require homeowners insurance while you're paying off your mortgage.
Important Exceptions
While most disasters are covered, there are key exceptions: floods, earthquakes, and poor maintenance. Flood and earthquake damage require separate policies, and general maintenance is always the homeowner's responsibility.
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