Homeowners Insurance
Protection for your home, belongings, personal liability, and many of the risks that come with homeownership.
Personal Insurance
Protection Built Around Real Life
Your home is usually one of your largest assets, but a homeowners policy protects more than the structure itself. The right policy can help address your belongings, liability exposures, loss-of-use costs, and other covered losses tied to the place you call home.
What This Coverage Can Help Address
- The dwelling and attached structures
- Personal belongings
- Personal liability exposures
- Additional living expenses after certain covered losses
- Other structures such as detached garages or sheds
Who Should Consider It
Does This Fit Your Situation?
Homeowners who want to protect the house itself, the property inside it, and the personal liability risks that come with owning a home.
Common Questions
Homeowners Insurance FAQs
How much homeowners coverage do I need?
Dwelling limits are generally based on the estimated cost to rebuild the home rather than its market value. Personal property, liability, deductibles, and optional endorsements should also be reviewed.
Does homeowners insurance cover every kind of water damage?
No. Coverage depends on the source and cause of the water loss. Flood and certain other water-related losses are commonly excluded or handled separately.
Should I review my homeowners policy after a renovation?
Yes. Major improvements, additions, new detached structures, or expensive purchases can change the amount and type of coverage you need.