Investments

Home Insurance

Homeowners insurance is a type of property insurance that protects against losses and damages to your home, belongings, and property. It can also cover liability for accidents that happen on or in your home.

Homeowners insurance can include the following types of coverage:

  • Dwelling coverage

Pays for the repair or rebuilding of your home’s structure, including installed fixtures and permanently attached appliances.

  • Personal property coverage

Pays for the repair or replacement of your personal items, such as clothing, electronics, furniture, and kitchenware, if they are damaged, stolen, or destroyed by a covered loss.

  • Other structures coverage

Pays for the repair of structures on your property that aren’t attached to your house.

  • Liability coverage

Pays for legal costs if you are sued for injuries sustained on your property. This includes claims of bodily injury or property damage sustained by others for which you or covered residents are legally responsible.

Other things that homeowners insurance can cover include:

  • Losses and damage to your home caused by unexpected events, like fires or burglary
  • Financial protection against damage to your home and belongings caused by covered events like theft, storms, and fires

Lenders generally require proof that you have homeowner’s insurance, especially if you have a mortgage.

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