Learn — Home & property
Homeowners insurance
What homeowners insurance covers, including dwelling, other structures, personal property, loss of use, and personal liability on a standard HO-3 policy.
Homeowners insurance is a package policy that helps protect your house, many of your belongings, and your liability if someone is hurt on your property.
Most policies combine dwelling coverage, personal property, liability, and additional living expenses. Exact coverages, limits, and exclusions depend on the policy and carrier. Flood and earthquake often need separate policies.
If you own a home (or are buying one), lenders typically require homeowners insurance. Even without a mortgage, a serious fire, storm, or liability claim can be financially devastating without coverage.