Homeowners Insurance That Fits Your Needs
Homeowners Insurance Coverage & Options
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy. This means that 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.
Damage caused by most disasters is covered, but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners’ responsibility.
- Cover damage to the interior or exterior of your house.
- Cover personal liability for damage or injuries.
- Hotel or House rental while your home is being rebuilt or repaired.
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Frequently Asked Questions
How do I save money on home insurance?
A few of the best ways to save on home insurance include: shop around different insurers, raise your deductible, buy home and auto policies from the same insurer, review the value of your possessions annually, look into group coverage, insure the home (not the land), stop smoking, and look for private insurers first.
Do you need seperate insurance for personal property?
No. Your belongings (anything that isn’t attached to your home) are typically covered under any homeowners or renters insurance policy, up to certain limits.
How does home insurance work with a new build?
If the house being built is on property you already own, you’ll need homeowners insurance in case an accident happens on your property. Also, if your contractor doesn’t have adequate builders risk insurance, look into purchasing your own to account for any coverage gaps.