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Are you a new homeowner looking to protect your investment, or just in need of a refresher on your coverage options? Navigating the world of home insurance can be confusing, but we’re here to help. Our goal is to provide you with clear, straightforward information about home insurance, so you can feel confident in your coverage decisions. Whether you’re a first-time homebuyer or a seasoned homeowner, these resources are designed to help you understand your options and make informed decisions about your coverage.

HELPFUL HOME INSURANCE GUIDES AND ARTICLES

Looking for more information about insurance? Our resource center is filled with informative articles that can help you better understand your coverage options and make informed decisions about your insurance needs. Click here to explore our Insurance Resource Center.

What to Do After a Natural Disaster to Protect Your Home

What to Do After a Natural Disaster: Steps to Protect Your Home and Finances Experiencing a natural disaster can...

HOME INSURANCE TERMS

Confused by all the technical terms and jargon in your home insurance policy? Our handy glossary of home insurance terms can help you understand exactly what your policy covers.

Contents Coverage

Insurance coverage for household contents and other belongings worn or carried by the homeowner and covered family members. The coverage provides protection for belongings anywhere in the world, although standard home insurance policies have limits for how much coverage is given to off-premises belongings.

Depreciation

A decrease in a covered item's value due to age and deteriorating condition. Depreciation is the gap between the cost of new replacement property and the value of the old item before it was destroyed.

Market Value

The estimated price for which a property can be expected to sell in the open market. A home insurance policy should provide enough coverage to rebuild the home in the event it is destroyed, and such costs can exceed a home's market value.

Frequently Asked Questions

Do you have questions about home insurance? Our frequently asked questions page is a great resource for understanding the basics of home insurance and getting answers to common questions. From coverage options to discounts, our FAQs have you covered.

To the right, you’ll find a couple answers, if you’d like to see more, just visit our Home Insurance FAQ page.

Home insurance typically covers damage to your home and belongings from events such as fires, storms, and burglaries. It can also cover personal liability in the event that someone is injured on your property.

When choosing a home insurance policy, it is important to consider the value of your home and belongings, as well as any potential risks specific to your area. You should also consider the level of coverage you need and compare quotes from multiple insurance companies to find the best policy for your needs.

A deductible is the amount of money you are required to pay out-of-pocket before your insurance policy will cover a claim. For example, if you have a $500 deductible and a $5,000 claim, you will be responsible for paying the first $500 and your insurance policy will cover the remaining $4,500.

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