Homeowners Insurance

For homeowners, insurance protection is an important aspect of homeownership. Buying homeowners insurance, also called home insurance, means buying protection for your home — both inside and out.

What is Home Insurance?

Home insurance compensates you for losses to your home and your possessions inside it, so purchasing a homeowners policy provides added security for your investment. Home insurance also protects you if you’re legally liable for someone’s injuries on your property, as well as from financial losses caused by storms, fire, theft and other events outlined in your policy.

Different companies offer different home insurance coverage, so choosing the right policy means finding the right mix of coverage to meet your needs.

Generally, a standard homeowner’s insurance policy protects the following:

The physical structure of your home
Structures on your property (storage sheds, pools, boathouses, etc.)
Your personal property and belongings inside your home, up to specified limits
Your liability or legal responsibility for any injuries and property damage you or your family members cause to other people
Injuries to your household pets while inside your home
Additional living expenses if a fire or other insured disaster leaves you temporarily unable to live in your home