Home Insurance
Homeowners insurance is a package policy. This means that it covers both damage to property and liability or legal responsibility for any injuries and property damage policyholders or their families cause to other people. This includes damage caused by household pets. Damage caused by most disasters is covered but there are exceptions.
What does homeowners insurance cover?
Homeowners insurance typically covers damage to your home and other structures on your property (such as a garage or shed), as well as your personal belongings (like furniture and clothing). It also provides liability coverage in case someone is injured on your property and you are found legally responsible.
How much homeowners insurance do I need?
The amount of homeowners insurance you need depends on factors such as the replacement cost of your home, the value of your personal belongings, and the level of liability coverage you want. Your mortgage lender may also have minimum insurance requirements.
What are the different types of homeowners insurance policies?
There are several types of homeowners insurance policies, each offering different levels of coverage. The most common is HO-3, which typically covers most homes and provides both property and liability coverage.
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