Homeowners insurance

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.

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What’s usually included

Most homeowners policies combine several coverages, such as:

• Dwelling — repair or rebuild the structure after a covered loss
• Personal property — belongings damaged by a covered peril
• Liability — legal responsibility if you cause injury or property damage
• Additional living expenses — temporary housing if a covered loss makes the home unlivable

Exact coverages, limits, and exclusions depend on the policy and carrier. Flood and earthquake often need separate policies.

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When it matters

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.

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Next step

Questions about your situation? Start a quote — a licensed agent calls during business hours (Mon–Fri 9–5 CT):

• Auto / home / life quote
• Small business / commercial