Homeowners Insurance – Protecting Your Home and What’s Inside

Homeowners insurance helps protect your home, personal belongings, and finances if something unexpected happens. It can help cover repairs or replacement if your home is damaged by events like fire, wind, hail, or theft. It also provides liability protection if someone is injured on your property.

Most homeowners policies include coverage for:

• The structure of your home

• Personal belongings (furniture, clothing, electronics)

• Liability protection

• Additional living expenses if your home becomes unlivable due to a covered loss

Homeowners insurance is essential whether you own your home outright or have a mortgage — it helps protect one of your biggest investments.

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Flood Insurance – Protection Homeowners Insurance Doesn’t Cover

Standard homeowners insurance does not cover flood damage. Flood insurance is a separate policy that protects your home and belongings from damage caused by rising water, heavy rain, storm surge, or overflowing rivers.

Flood insurance can help cover:

• Damage to your home’s structure

• Electrical and plumbing systems

• Appliances and major systems

• Personal belongings

Flooding can happen anywhere — even in low-risk areas — and just a few inches of water can cause thousands of dollars in damage. Having flood insurance helps you recover faster and avoid major out-of-pocket costs.