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The right home insurance policy can give you peace of mind and cover the costs of repairs and replacements due to fire, theft, vandalism, or other covered events. It will also cover you in the event that someone is injured while on your property and wins a legal judgment against you.
Homeowner insurance options are often priced individually, so how much you pay depends on what coverage you buy.
Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss.
You may choose to set higher limits than the recommended amount if appropriate to your situation and needs.
Home insurance policies differ based on which losses are covered, which coverages you choose, and the type of residence. You can choose a specific policy or a comprehensive one that covers losses such as fire, hail, smoke, falling objects, vandalism, and theft of personal property.
Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.
This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.
Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.
Landlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings.
Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world. When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued.
If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses (commonly for up to 24 months) while damage is assessed and your home is repaired or rebuilt.
If you have special possessions such as jewelry, art, antiques or collectibles you may want to talk to your agent about this additional coverage. It provides broader coverage for specific items.
