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Homeowner's Insurance

Homeowner's insurance is a type of property insurance that covers a single family home. A homeowner's insurance usually covers losses and damages to your personal residence, as well as your furnishings and other valuables. Liability coverage for some types of accidents that occur in your house or on your property may be included in your home insurance policy. A homes insurance coverage is required by most mortgage lenders.

How does homeowner's insurance help?

  • Home insurance safeguards one of your most valuable assets.

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  • A homeowners insurance policy provides coverage for accidents that occur in your home or on your property.

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  • Homeowners insurance is required by most mortgage lenders.

Image by Scott Webb
Brick House

What does Homeowners Insurance cover?

PROPERTY DAMAGE
The majority of plans will cover damage to your home and any permanent constructions on your property for:

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  • Fire

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  • Wind

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  • Hail

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  • Water damage (unless excluded by your policy)

PERSONAL PROPERTY

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Protects items that have been destroyed or stolen, including:

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  • Furniture

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  • Appliances

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  • Clothing

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  • Dishes (in some cases)

JEWLERY
 

Jewelry stolen from your home is covered to a limited extent (typically between $500 and $2,000). You may require additional coverage for certain items in your collection, such as:

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  • Engagement rings

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  • Wedding bands

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  • Diamond bracelets

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