Homeowner Insurance

Your home is more than just a place — it’s your biggest investment, your safe haven, and where life’s most important memories are made. Homeowner insurance provides peace of mind by protecting your home, belongings, and finances from unexpected events like fires, theft, and natural disasters.

Benefits of Homeowner Insurance:

• Financial protection against damage or loss
• Coverage for personal property and liability
• Peace of mind during life’s uncertainties
• Optional add-ons to tailor your protection

What’s Covered?

A standard homeowner insurance policy typically includes:

1. Dwelling Coverage
   Repairs or rebuilds your home if damaged by covered perils (e.g., fire, hail, wind).
2. Personal Property
   Covers furniture, electronics, clothing, and other belongings.
3. Liability Protection
   Helps cover legal costs if someone is injured on your property.
4. Additional Living Expenses
   Covers temporary housing if your home becomes uninhabitable.

Optional Add-Ons

Enhance your policy with these customizable options:

• Flood insurance (not included in standard policies)
• Earthquake insurance
• Extended replacement cost coverage
• Scheduled personal property (jewelry, art, collectibles)
• Sewer and drain backup coverage

Who Is Homeowner Insurance For?

• First-time homeowners
• Current homeowners with or without a mortgage
• Homeowners looking for added protection for valuables
• Anyone who wants to protect their financial future from unexpected disasters

Example Scenarios

Fire Damage

A kitchen fire destroys part of your home. Your policy helps pay for repairs.

Storm Damage

Strong winds tear off part of your roof. Your insurance covers the cost to replace it.

Theft

Burglars steal electronics and jewelry while you’re away. Your belongings are replaced up to policy limits.

Injury

A guest slips on your icy driveway and sues for medical bills. Your liability coverage kicks in.