About home insurance
Your home and belongings represent a significant financial investment and a significant financial loss if you do not have adequate insurance coverage.
Homeowners insurance provides coverage in the event of damage to your property, as well as liability for injuries and damage you cause to other people.
A standard homeowners insurance policy includes four essential types of coverage. They include:
- Coverage for the structure of your home.
- Coverage for your personal belongings.
- Liability protection.
- Additional living expenses in the event you are temporarily unable to live in your home because of a fire or other insured disaster.
But not all policies are the same, so it's important to understand what you are buying. The extent of coverage may differ greatly from one insurer to another.