Protect Your Home & Everything Inside

Comprehensive coverage for your most valuable investment.

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What Is Home Insurance?

Home insurance protects your home and belongings against damage or loss from events like fire, theft, or natural disasters, while also providing liability coverage.

What's Covered:

• Dwelling: Your home's structure and attached structures

• Personal Property: Furniture, electronics, clothing

• Liability: Injuries to others on your property

• Additional Living: Temporary housing costs

• Medical Payments: Minor injuries to guests

Common Perils:

• Fire and smoke damage

• Theft and vandalism

• Wind and hail damage

• Water damage (sudden and accidental)

• Falling objects and weight of ice/snow

Why Home Insurance Is Important

Mortgage Requirement

Required by lenders to protect their investment

Asset Protection

Protects your largest financial investment

Liability Coverage

Protects against lawsuits from injuries on your property

Peace of Mind

Sleep well knowing your home is protected

When You Need Home Insurance

You need home insurance when:

• Buying a home with a mortgage

• Refinancing your existing mortgage

• Your current policy expires

• Making significant home improvements

• Moving to a new area with different risks

How to Get the Best Home Insurance Deals

• Compare quotes from multiple insurers

• Bundle with auto insurance for discounts

• Install security and safety systems

• Maintain good credit and claims history

• Choose higher deductibles to lower premiums

💰 Bundling Savings

Save up to 25% by bundling home and auto insurance with the same company

Home Insurance Statistics

$1,249

Average annual premium

$11,098

Average claim amount

29%

Water damage claims

95%

Of homeowners have insurance

Frequently Asked Questions

Standard policies cover your dwelling, personal property, liability, and additional living expenses. Coverage varies by policy type and insurer, so review your specific policy details.

Standard policies cover some natural disasters like wind and hail, but typically exclude floods and earthquakes. You may need separate policies for these specific risks.

Coverage should be enough to rebuild your home at current construction costs, not the market value. Consider replacement cost coverage and review your policy annually.

Rates depend on your home's location, age, construction type, coverage amounts, deductible, credit score, and claims history. Safety features can help reduce premiums.

Protect Your Home Today

Get comprehensive coverage for your home and belongings