Overview
Homeowners insurance protects your home, personal belongings, and finances against damage, loss, and liability. Most mortgage lenders require it, but the right policy does far more than satisfy a lender — it protects your most valuable asset.
Key Details
What You Should Know
Dwelling Coverage
Pays to repair or rebuild the physical structure of your home — roof, walls, foundation, and attached structures — after a covered loss like fire, wind, or hail.
Personal Property
Covers your belongings — furniture, electronics, clothing, and more — against theft and covered damage, whether at home or away.
Liability Protection
Pays for legal costs and damages if someone is injured on your property or you're found responsible for damage to someone else's property.
Loss of Use
Covers additional living expenses like hotel and meals if a covered loss makes your home uninhabitable while it's being repaired.
Official Resources
