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Homeowners Insurance

Homeowners Insurance Information

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Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.

What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people.

Damage caused by most disasters is covered but there are exclusions and limitations. The most common exclusions are for damage caused by flood, earthquake, sewer back-up and poor maintenance. Generally coverage for damage caused by earthquake and / or sewer back-up can be included in a homeowners policy. A separate policy must be purchased for damage caused by flood. Maintenance-related problems are the homeowners' responsibility.

Why do you need homeowners insurance?
It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.

  • If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
  • If a guest in your home is injured, liability protection and medical coverage help pay expenses.
  • If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
  • If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.

Things to consider and questions to ask your agent
Here are few things to discuss with your agent that will influence your decisions.

  • How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.)
  • Do I need coverage for lost / misplaced items? (A standard policy does not cover a lost or misplaced item AKA mysterious disappearance.)
  • Is my coverage sufficient for loss to jewelry, silverware, musical instruments, golf equipment, money and related items sufficient? (There are limitations for these type of items in a standard policy.)
  • What discounts are available? (Ask about multiple policy and security system.)
  • What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.) 

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* All statements above are informational. Refer to you policy for specific terms, limitations and exclusions.