What is homeowners insurance?
Homeowners insurance is a form of property insurance that can protect your home and personal belongings in the event they're destroyed by a covered loss.
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What does homeowners insurance cover?
A basic homeowners insurance policy comes with six main coverages: dwelling, other structures, personal property, loss of use, liability, and medical payments
How much insurance do you need?
Comparing home insurance quotes from multiple insurers is the best way to find the right coverage for your needs at the cheapest price.
What homeowners insurance coveragetypes are there?
In homeowners insurance, your dwelling coverage can pay to rebuild the structure of your home in the event that it is damaged by a covered loss
Other structures coverage can help pay for damage to structures that are separate from your home, such as a fence, swimming pool, or guest house.
Personal property insurance is a part of every standard home, condo, or renters insurance policy, and can cover the cost to replace your belongings in the event of damage or theft.
Loss of use coverage is the part of your home insurance policy that can pay for additional living expenses like hotel stays and restaurant meals if your house is badly damaged and you need to move out temporarily.
Personal liability insurance is protection for your financial assets if someone is hurt or their property is damaged and you’re found legally responsible.
Medical payments coverage is the portion of your homeowners insurance that can help pay for medical expenses to neighbors or house guests if they're injured on your property.
How much home insurance do youneed?
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8 types of homeowners insurance
"Here’s a rundown of the eight different types of homeowners insurance policies you can choose from based on your home and coverage needs."
What does homeowners insurance not cover?
"Standard homeowners insurance does NOT cover damage caused by flooding, earthquakes, termites, mold, or normal wear and tear."
Does having a pool affect your homeowners insurance?
"You'll likely see higher home insurance rates if you have a pool due to your increased risk of filing a claim."
Umbrella insurance: How it works & what it covers
"Umbrella insurance is enhanced liability protection that supplements your homeowners insurance and auto insurance policies."
17 homeowners insurance policy endorsements
"An endorsement is optional coverage you can add to your homeowners policy to protect your home and property from types of loss not covered by standard insurance."
Home insurance renewal: What you need to know
"Home insurance renewal usually happens automatically, though it’s still a great time to review your policy to see if you can find better coverage or cheaper rates elsewhere."
Flood insurance: What’s covered & do you need it?
"Flood insurance is separate from your standard home insurance policy and covers the cost of repairs and other expenses if your home is damaged in a flood."
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