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)

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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.

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Dwelling Coverage

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:

• House fires

• Severe weather

• Damage from plumbing or appliance leaks

• Vandalism/theft

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Personal Property Coverage

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:

• Your furniture

• Clothes

• Sporting goods

• Electronics

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Personal Liability Coverage

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.