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What Home Insurance Covers
A standard policy protects your dwelling, personal belongings, and provides liability coverage if someone is injured on your property.
Everything first-time homeowners need to know about protecting their new property.
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A standard policy protects your dwelling, personal belongings, and provides liability coverage if someone is injured on your property.
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Replacement cost pays to rebuild at today's prices. Actual cash value deducts depreciation. Replacement cost is almost always the better choice.
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Floods, earthquakes, and sewer backup are typically excluded from basic policies. You can add endorsements for extra protection.
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Your home's age, location, construction type, proximity to a fire hydrant, and your claims history all influence your rate.
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Keep a home inventory with photos and receipts. This makes filing a claim faster and helps you get the full payout you're owed.
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