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Personal coverage

Homeowners Insurance

If you carry a mortgage, your lender won't let you skip homeowners insurance — it protects the collateral behind your loan and is required until the day it's paid off. Even owned free and clear, it's what stands between you and the full cost of rebuilding after a fire, storm, or major theft, which can easily reach hundreds of thousands of dollars.

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Who this coverage is for

This is for people who own the home they live in, whether it is a single-family house you just bought or one you have lived in for years. It helps you put your home and belongings back together after something goes wrong, so a bad day does not turn into a financial disaster.

What it can help protect

A homeowners policy usually bundles several kinds of protection together:

  • Your house — repairs or rebuilding if fire, storms, or certain other events damage the structure.
  • Your belongings — furniture, clothes, and electronics if they are stolen or destroyed.
  • Liability — legal and medical costs if someone is hurt on your property and you are found responsible.
  • Extra living costs — hotel and meal bills if your home becomes unlivable while it is being repaired.
Regularly misunderstood coverages
Replacement Cost vs. Actual Cash Value

How would a claim actually pay out — new, or depreciated?

Related comparisons:

Key choices and underwriting factors

A licensed review will usually focus on rebuild assumptions and deductible strategy, water, wildfire, roof, and occupancy considerations, and coverage review for remodels, rentals, or home-based business activity.

Common Questions