Insurance Types > Homeowners Insurance
Homeowners Insurance
For most people a person's home is the largest item to budget for. Homeowners insurance can cover many things in and around your home.
Why do I need Homeowners Insurance?
Insurance, any kind, is your protection against the uncertainties of day-to-day living. Since for most people their home is the most valuable possession they own, homeowners insurance protects your invesement as well as you and the members of your family.
Homeowners insurance can help you cope with damanages or stole property from your home. It can also help protect you if a person was injured on your property. Many people choose to have a "package" policy that covers many aspects of your home and property.
What types of things does Homeowners Insurance project me against?
Remember that policies vary but homeowners insurance usually covers damage to both structures and personal property caused by:
- Fire or lightning
- Windstorm or hail
- Explosions
- Riot or civil commotion
- Aircraft
- Vehicles
- Smoke
- Theft or vandalism (sometimes called malicious mischief)
- Falling objects
- Weight of ice, snow or sleet
- Freezing of a plumbing, heating, air conditioning or other such household system
In fact, your coverage is most likely even more comprehensive than the above list.
Read our full guide to homeowners insurance.
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