Homeowners Insurance

Why do I need homeowners insurance?

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it. Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. Damage caused by most disasters is covered however there are exceptions. The most significant are damage caused by floods and poor maintenance. You must buy a separate policy for flood coverage. Maintenance-related problems are the homeowners’ responsibility

What does my homeowners insurance cover?


Covers the house and attached structures for accidental direct physical loss except those losses excluded by the policy. This includes built in or attached items such as built in appliances or wall-to-wall carpet.

Other Structures

Covers other buildings or structures on the property that are separated by
clear space from the house. Examples are a detached garage or gazebo.
Covers for accidental direct physical loss to the structure except as excluded
or limited by the policy.


Covers your personal property, such as: furniture and clothing, and items
that are not attached to or built into the home. Covers these personal items
for loss due to specific causes such as: fire, smoke, wind, theft, and other
causes as described in the policy.

Personal Liability

Covers damage to others for which you are held liable except as limited or
excluded by the policy.

Medical Payments to Others

Pays for medical or funeral expenses of others who are injured on your
property or caused by your activities on or off your property.

Loss of Use

Pays for reasonable living expense if you are not able to reside in the home
due to a covered loss.

How much homeowners insurance do I need?

When choosing the amount to insure your home for, a common mistake is using the purchase price rather than the amount it would cost to rebuild the structure in the event of a total loss. The purchase price of a home includes the land the home is built on, as well as market inflation or deflation.

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