Homeowners Insurance Quote Forms
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Homeowners Insurance Information
Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.
What Is Homeowners Insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.
Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy a separate policy for flood and a separate policy for earthquake coverage. Maintenance-related problems are the homeowners' responsibility.
It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.
Things To Consider:
- How much will it cost to rebuild your house and replace your belongings if they are damaged or destroyed? (Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.)
- What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)