Home. It’s your safe haven. It’s where you raise your family and create memories that last a lifetime. Travelers can help you protect this prized possession with homeowners insurance that fits your priorities and your budget.
When you’re confident you have the coverage you need to help protect your home and personal belongings, you can focus on those little moments that matter.
What is Home Insurance?
Homeowners insurance can help protect you from the unexpected. If your home is damaged, your belongings are stolen or someone gets injured on your property, it can help cover repairs or replacement, temporary housing, legal fees and more.
Why do I need a Homeowner Policy?
A homeowners policy is recommended for anyone who owns a home or condo and may even be required by your mortgage lender. You will need separate coverage to help protect your home and personal belongings against damage due to floods or earthquakes.
If the unexpected happens, home insurance can help you restore your life back to normal.
What Does Homeowners Insurance Cover?
The structure of your home
Other structures on your property (e.g. garage, shed)
Your personal belongings
Additional living expenses if you cannot live in your home due to a covered loss
Your personal liability or legal fees
Limited valuable items (extra coverage can usually be added)
Be sure to explore options to customize your limits and coverages to meet your needs. Your homeowners insurance policy includes coverages in the following categories to help ensure your home and assets are appropriately protected.
Dwelling coverage can help pay to repair or rebuild your house if it’s damaged by a covered cause of loss. Some examples of the types of risks that may be covered include:
Damage from plumbing or appliance leaks
Personal property coverage can pay you for the personal items in your home that may be damaged or destroyed by a covered cause of loss, which could include:
Liability coverage can help protect you in the event of a claim and can provide a defense in the event of a lawsuit if you or a family member in your household is responsible for causing bodily injury or property damage to others.
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