Learn About Homeowners Insurance

  • Coverage that protects your home, belongings, and liability from risks like fire, theft, and certain weather events.

  • Your home is one of your biggest investments — insurance ensures you can repair, rebuild, or replace after a loss. You also most likely legally need it.

  • Dwelling (the building), personal property, liability protection, and additional living expenses during repairs or rebuilding.

    If your property is used as a rental, seasonal, or vacation home, it requires a different type of coverage called a Dwelling Policy for Landlords, Rentals, and Vacation Homes.

When Do You Need Homeowners Insurance?

  • You Have a Mortgage

    Most lenders require active homeowners insurance.

  • When You Want Protection From Loss

    Covers damage from events like fire, theft, and windstorms. Many additional events can be included as well.

  • When You Need Liability Protection

    Covers medical bills and legal costs if someone is injured on your property.

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Requirements for Homeowners Insurance

  • Property Address

    Exact location of the home

  • Building Details

    Construction year and materials

  • Square Footage

    Size of the home

  • Roof Details

    Age, type, and condition

  • Upgrades/Renovations

    Notable improvements

  • Current Coverage

    Existing homeowners policy info

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