Homeowners Insurance

Your Home Deserves Real Protection

Because one accident, disaster, or lawsuit could change everything

Your home is likely one of your most valuable financial assets, and it deserves more than basic protection. From fire, flooding, and vandalism to liability claims if someone is injured on your property, the risks can be significant and costly. Yet many homeowners don’t fully understand what their policy actually covers — or more importantly, what it doesn’t. With thousands of coverage options available and no two policies truly alike, homeowners insurance is not a one-size-fits-all product. The right policy is carefully tailored to your home, your lifestyle, and your financial goals to ensure you are fully protected when it matters most.

Six Primary Coverages Provided By Your Home Policy

Your home policy protects you in six primary ways. You’ll find these listed on your policy’s “Declarations” page. Here’s what they mean to you.

Dwelling

Covers the structure of your home itself, including walls, roof, floors, and built-in features. This is the foundation of your homeowner’s policy and protects the cost to repair or rebuild your house after a covered loss.

Other Structures

Protects buildings on your property that are not attached to your home, such as sheds, detached garages, barns, and pool houses. This coverage has its own limit—typically 10% to 20% of your dwelling amount—and can be increased if you have valuable or large detached structures.

Personal Property

Covers your belongings, including furniture, clothing, electronics, and personal items, if they are damaged, stolen, or destroyed by a covered event.

Loss of Use

Pays for temporary living expenses if your home becomes unlivable due to a covered loss, helping cover hotel stays, meals, and other necessary costs while repairs are made.

Liability

Protects you financially if someone is injured on your property or if you accidentally cause damage to others. It covers legal costs, settlements, and judgments.

Medical Payments to Others

Provides coverage for minor medical expenses if a guest is injured on your property, regardless of who is at fault, helping resolve small claims quickly and smoothly.

It’s What’s NOT Covered That Will Hurt You

Imagine your home is damaged. You call your insurance agent to report the claim. And then you hear the worst news possible, “I’m sorry. That’s not covered by your policy.” Now, you have a real problem.

The unfortunate truth is that no insurance policy covers you for everything that could possibly happen to you or your property. However, with a little bit of understanding you can make sure you have the protection you want … and make sure your claims get paid by the insurance company.

Let’s Review Your Homeowners Insurance Coverage Today

203-723-7447

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