Homeowners Insurance
Comprehensive Coverage for the Place You Call Home
What Is HomeownersInsurance?
Homeowners Insurance is essential protection for your home, personal belongings, and financial security. It covers damage to your house from events like fire, storms, theft, vandalism, or other unexpected incidents. This insurance also protects your personal property, provides liability coverage if someone is injured on your property, and can pay for temporary living expenses if your home becomes uninhabitable.
Whether you own a single-family home, condo, or townhouse, homeowners insurance helps safeguard your biggest investment.
Why Do You Need It?
Your home is likely one of your most valuable assets—and repairing or replacing it after a disaster can be extremely costly without proper coverage. Homeowners Insurance protects you from major financial losses caused by accidents, damage, or legal claims arising from injuries on your property.
Most mortgage lenders also require this coverage as part of the loan process. With the right homeowners policy in place, you gain peace of mind knowing your property, belongings, and financial future are protected from life’s unexpected events..
Types of Food Services Insurance
Dwelling Coverage – Pays for damage to the structure of your home from covered events like fire, storms, or vandalism.
Other Structures Coverage – Protects detached structures such as garages, sheds, and fences.
Personal Property Coverage – Covers your belongings—furniture, electronics, clothing, etc.—if they are damaged or stolen.
Liability Protection – Provides coverage if someone is injured on your property or if you accidentally damage someone else's property.
Medical Payments Coverage – Helps pay for minor medical expenses if a guest is injured at your home, regardless of fault.
Loss of Use (Additional Living Expenses) – Covers hotel stays, meals, and other costs if your home becomes temporarily unlivable.
Flood Insurance (Add-On) – Covers flood-related damage (not included in most standard policies).
Earthquake Insurance (Add-On) – Provides protection from damage caused by earthquakes.
Personal Umbrella Coverage (Optional) – Adds additional liability protection above your home policy limits.
Scheduled Personal Property – Extra protection for high-value items like jewelry, art, or collectibles.