Homeowners insurance protects against damage caused by fire, theft, vandalism, and other events that could cause significant property loss. It also provides coverage for liability claims related to accidents on your property.

What Does Homeowners Insurance Cover?

Most homeowners insurance policies provide protection for the following items:

  • Dwellings (including detached garages)
  • Personal property inside the dwelling
  • Contents of a vehicle parked at the residence
  • Losses to your personal belongings while they are in transit
  • Losses to vehicles and other vehicles owned by you or used by you, such as rental cars.

Homeowners insurance is designed to protect against loss due to fire, windstorm, vandalism, theft, earthquake, hail, flood, explosion, riot, civil commotion, aircraft accident, smoke damage, lightning, snow, etc.

What Do I Need To Know About My Policy?

You should review your policy every year to make sure you understand how it works and what coverage you need. If you notice any changes in your home or car, contact your agent immediately so he/she can update your policy.

If you have a new baby, check with your insurance company to see if they offer discounts for children under 18 years old. You may also be eligible for a discount on auto insurance by purchasing an SR-22 form from the Department of Motor Vehicles (DMV).

Is There Anything Else I Should Be Aware Of?

In addition to reviewing your homeowner’s insurance policy, there are other things you should consider when purchasing a new policy. These include:

  • Make sure you’re getting enough coverage.
  • Review your deductible.
  • Consider adding flood insurance.
  • Check with your state department of insurance to see if you qualify for a discount.

What Doesn’t Homeowners Insurance Cover?

If you own a home, chances are you’ve had to deal with a claim at one time or another. And if you’re anything like me, you’ll be glad to know that most homeowners insurance policies cover damage from fire, wind, hail, lightning, smoke, and vandalism. However, there are certain things that won’t be covered under your policy, such as:

  • Personal property inside your home.
  • Damage caused by natural disasters.
  • Losses due to vandalism.
  • Liability claims against you.
  • Claims made by others who live in your house.
  • Damages to your home’s roof, foundation, walls, or plumbing.

How Do I Shop for Homeowners Insurance?

That’s the easy part. Just contact us and let us do the legwork for you. Since we’re independent, we can offer more policies than most agencies. We can find the policy that’s just right for your situation.