Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.This policy 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. This includes damage caused by 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.
Why Do You Need Homeowners Insurance?It is really all about protecting yourself financially. That's important because chances are your home is likely one of your largest investments.
It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Let our specialized agents help you insure your assets if something unexpected happens to your home or possessions.
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