HOME OWNERS INSURANCE

A well-written homeowners policy will pay to replace any of your personal property that is destroyed in a fire or other disaster. The policy will also be your first line of defense against a lawsuit from someone injured at your home.

The cost of this coverage is determined by many rating factors. The quality of the coverage, however, is determined by the quality of the insurer and whether the policy is written on a named-perils or all-risk basis. A named-perils policy covers only those losses specifically cited in the contract. The all-risk policy works the opposite way — unless a peril is specifically excluded, coverage is provided. The all-risk policy is broader and the burden of proof is on the carrier, not you, in the event of a loss.

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  • Home Insurance

  • Condo Insurance

  • Mobil Home Insurance

  • Flood Insurance

  • Renters Insurance

  • Flood Insurance

What does homeowners insurance cover?

Some of the biggest risks – like storms, fire and theft – can be covered under a homeowners insurance policy. While individual policies are tailored to fit your needs, a comprehensive property and liability policy typically provides coverage for:

  • The replacement value of your home and other attached structures, such as a garage or shed

  • Personal property and belongings

  • Living expenses, such as room and board, laundry, and meals if you have to live elsewhere while your home is being repaired

  • Personal liability coverage and medical payments in the case of injury by guests in your home or on your property

Additional coverage options are also available, such as increased limits on jewelry or personal injury. Which homeowners policy is right for me?


You've found the right home for you. However, now it's just as important to have a homeowners insurance policy that fits your needs.

  • If you live in a single-family home, a homeowners policy is probably best for you.

  • Live in a condo? You'll need a unique policy specifically designed for condo owners.

  • Renting instead of buying? Learn about how renter insurance policies can protect you.

  • If you also own a seasonal, secondary or investment property, you'll need a policy designed for that.


Water/Sewer Backup Coverage is not Flood Insurance

Most homeowners insurance policies come with an endorsement for water backup and sump discharge which will cover losses, up to a certain limit, caused by the backup of water or waterborne materials through a sewer or through a drain.

The endorsement does not however cover damages caused by a flood. A separate flood insurance policy needs to be obtained to cover losses due to flooding. Also, it’s important to note that water backup insurance doesn’t cover damage from foundation seepage.

Always check the details when considering a policy, as some backup policies cover sewer backups but not sump pump failures.

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