> ## Documentation Index
> Fetch the complete documentation index at: https://docs.nelsonandassociatesinc.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Homeowners insurance

> What homeowners insurance typically covers — dwelling, personal property, liability, and more.

**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.

## 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.

## 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.

## 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](https://nelsonandassociatesinc.com/quote?utm_source=docs\&utm_medium=referral\&utm_campaign=homeowners-insurance)
* [Small business / commercial](https://nelsonandassociatesinc.com/commercial?utm_source=docs\&utm_medium=referral\&utm_campaign=homeowners-insurance)