What Is Homeowners Insurance?

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Homeowners or home insurance is a type of property insurance policy designed to protect your home and assets in it. You can buy home insurance to protect your home or as a requirement for your mortgage.

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Quality property insurance will give you peace of mind knowing you're protected no matter your financial position or where you live.

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What Is Homeowners Insurance?

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Why Do I Need Homeowners Insurance? A homeowners insurance policy will provide coverage for interior and exterior damage to your home. It will also cover loss or damage of personal belongings and assets on the property.

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What Risks Does a Homeowners Policy Cover? The risks your home insurance covers are called “covered perils” in real estate insurance. These are instances of damage in which you're eligible to file an insurance claim.

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What Types of Properties Does Home Insurance Cover? The cover you get from home insurance largely depends on the type of property you're covering.

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Dwelling Coverage This coverage is among the basic homeowners insurance policy. Dwelling coverage protects the structure of the home you live in. For instance, the house’s roof, walls, and foundation.

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A standard homeowners insurance policy will also provide coverage for other structures that are attached or separate from the house. These structures may include a detached car garage, deck, or fence against certain risks.

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