What does homeowners insurance cover?
Homeowners insurance provides protection for your home, personal property such as furniture, clothing, and appliances as well as for personal liability. It protects you from a variety of events, including fire, lightning, burglary, vandalism, storms, explosions, and more. See your policy contract for terms and conditions of your specific policy.
The typical homeowners’ insurance policy has two main sections: Section I covers the property of the insured and Section II provides personal liability coverage for the insured. Almost anyone who owns or leases property has a need for this type of insurance. Additionally homeowners insurance is required by most lenders to obtain a mortgage.
