What is Homeowners’ Insurance?

Homeowners insurance provides essential protection for your most valuable asset—your home. It offers coverage against a range of risks, helping to safeguard your dwelling, personal belongings, and liability in the event of unforeseen circumstances. Whether you own a house, condominium, or rent an apartment, home insurance offers financial security and peace of mind.

Do I Need Homeowners’ Insurance?

If you own a home and have a mortgage, chances are that your lender requires it. Beyond that, protecting your home enables much quicker recovery when things go wrong both with the structure of the home and your personal items within. So if you own a home, it’s best to have coverage.

What’s Covered?

Coverage can vary widely, but some basic coverages are always included such as Fire, Theft, and Lightning. Many policies have optional add-ons available, so let’s review together to make sure you have the coverage you expect. An even better question - What’s Not Covered?