Owners or Renters Find the right home insurance
Insure Your Home and Belongings From a Disaster.
What does Homeowners Insurance cover?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the content 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. Also, this includes damage caused by members of your family cause to other people and household pets.
Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners’ responsibility.