Your home is more than just a place to live—it’s where you create memories, build your future, and feel safe.
Disasters can strike when you least expect them. Whether it’s a fire, storm damage, or a break-in, repairing or replacing your home and valuables can be costly. Home insurance helps cover these expenses, so you can recover without a significant financial burden.
✅ Property Protection – Covers damage to your home from fire, storms, vandalism, and more.
✅ Personal Belongings Coverage – Helps replace lost or damaged items like furniture, electronics, and clothing.
✅ Liability Coverage – Protects you financially if someone is injured on your property.
✅ Additional Living Expenses – Covers temporary housing costs if your home becomes uninhabitable due to a covered event.
✅ Customizable Policies – Choose the right level of coverage based on your needs and budget.
A standard home insurance policy typically includes:
Dwelling coverage – Repairs or rebuilds your home if it's damaged by fire, storms, or other covered disasters.
Personal property coverage – Helps replace furniture, electronics, and other valuables.
Liability protection – Covers legal and medical expenses if someone is injured on your property.
Loss of use coverage – Pays for temporary living expenses if your home becomes uninhabitable.
While home insurance is not legally required, most mortgage lenders require coverage to protect their investment. Even if you own your home outright, having insurance is a smart way to protect your finances.
Your premium is based on factors like:
Home location – Risk of natural disasters, crime rates, and proximity to fire stations.
Home value & construction – Cost to rebuild, materials used, and home age.
Coverage limits & deductibles – Higher coverage and lower deductibles usually mean higher premiums.
Claims history – A history of claims can increase your rates.
You can reduce your premiums by:
Bundling home & auto insurance for a discount.
Installing security systems and smoke detectors.
Raising your deductible to lower monthly payments.
Maintaining a good credit score (in states where it's considered).
No. Standard home insurance policies do NOT cover floods or earthquakes. You may need to purchase separate policies for these risks, depending on where you live.
What should I do after a loss?
If your home is damaged or your belongings are stolen:
Ensure safety first – Evacuate if needed.
Contact the authorities – File a police report if it's a theft.
Document the damage – Take photos and videos.
Notify your insurance company – File a claim as soon as possible.