Protect Your Home and Everything Inside It
Your home is one of your most valuable investments. Homeowner’s insurance provides financial protection for your property, personal belongings, and liability in the event of unexpected damage or loss.
What Does Home Insurance Typically Cover?
A standard policy typically includes:
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Dwelling Coverage
Protects the physical structure of your home from covered events such as fire, storms, vandalism, or other unexpected damage.
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Personal Property Coverage
Covers your personal belongings, including furniture, electronics, clothing, and other valuable items inside your home.
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Liability Protection
Provides financial protection if someone is injured on your property or if you accidentally cause damage to others.
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Additional Living Expenses
Helps cover temporary housing, meals, and related costs if your home becomes uninhabitable due to a covered loss.
What May Not Be Covered?
Some events typically require separate coverage because they involve risks not included in standard homeowner’s policies.
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Flood Damage
Standard policies usually exclude flood damage because it requires separate flood insurance due to high regional risk exposure.
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Earthquake Damage
Earthquake-related losses are often excluded since they require specialized coverage based on geographic risk factors.
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Normal Wear and Tear
Gradual deterioration and aging of the home are not covered because insurance is designed for sudden and accidental damage.
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Maintenance-Related Issues
Damage caused by neglect or lack of proper upkeep is excluded since homeowners are responsible for routine maintenance.
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Pest Infestations
Damage caused by termites, rodents, or other pests is generally excluded because it is considered preventable through routine property care.
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Intentional Damage
Losses resulting from intentional acts or fraud are not covered because insurance protects against accidental and unforeseen events.