Explaining Home Insurance
Home Insurance (also called homeowners insurance) protects your home and belongings from unexpected damage, theft, or accidents. It also provides liability coverage in case someone gets hurt on your property.
Here’s what it usually includes:
Dwelling Coverage – Pays to repair or rebuild your home if it's damaged by covered events like fire, storm, or vandalism.
Other Structures – Covers things like detached garages, fences, and sheds.
Personal Property – Covers your belongings inside the home—furniture, electronics, clothing—if they’re stolen or damaged.
Liability Protection – Helps pay legal or medical bills if someone is injured on your property or if you accidentally cause damage to someone else’s property.
Loss of Use – Pays for temporary living expenses if your home becomes unlivable due to a covered loss (like staying at a hotel while repairs are made).
Medical Payments to Others – Covers small medical expenses if a guest is hurt on your property, even if you're not at fault.
Like auto insurance, you pay a premium, and if you file a claim, you’ll pay a deductible before your insurance covers the rest.
We can help customize your policy so you’re covered where it matters most—whether it’s protecting your home, your stuff, or your peace of mind.
