Homeowners insurance is essential for protecting your home, belongings, and financial future. Yet many homeowners do not fully understand what their policy covers.
Standard homeowners insurance includes dwelling coverage, personal property protection, liability coverage, and additional living expenses. These protect against risks such as fire, theft, storms, and vandalism.
However, most policies exclude floods and earthquakes, which require separate insurance. Premiums vary based on location, home value, claims history, and deductible choices.
Comparing insurance providers and reviewing coverage limits ensures you are adequately protected without overpaying. The right homeowners insurance policy offers peace of mind and financial stability.
