For Homeowners

Homeowners Insurance

Homeowners insurance provides financial protection for the unexpected—like damage to your home or belongings, and liability for injuries caused to others on your property. It typically combines various insurance coverages into one policy to safeguard against some of the most common perils a property owner may face, such as loss or damage from fire, wind, theft, hail, lightning, burst pipes, vandalism, and more.

What Does Homeowners Insurance Cover?

A typical homeowners insurance policy usually includes six key coverages to cover your home, other structures on your property, the contents inside your home, living expenses when a covered claim makes the home temporarily uninhabitable, your liability for others’ bodily injuries or property damage, and medical payments.

Dwelling Coverage (Coverage A): Helps pay for loss or damage to the physical structure of your home caused by perils such as fire, windstorm, hail, lightning, and vandalism. It can typically cover the cost of repairing or rebuilding your home up to the policy’s limits.
Other Structures Coverage (Coverage B): Safeguards other structures on your property, such as a detached garage, shed, or fence. It typically pays for damage to these structures caused by covered risks up to policy limits. Some structures like swimming pools may have their own exclusions, so read your policy carefully.
Personal Property Coverage (Coverage C): Insures your personal belongings, such as furniture, appliances, clothing, and electronics, if they are damaged, destroyed, or lost because of a covered peril. For high-value jewelry or art, which can exceed the coverage limits of your policy, a scheduled personal property endorsement can offer higher limits for specific items.

Homeowners Insurance

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