What Is Homeowner's Insurance?

 

Homeowners insurance provides financial protection against disasters. The policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people.

Damage caused by most disasters are covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. Maintenance-related problems are the homeowners' responsibility.

What is in a homeowners policy?

Please Note: The above information is for information purposes. To ensure your coverage meets your personal needs please contact your Account Manager to review your special limits of insurance.