​Homeowners Insurance

Homeowners insurance provides financial protection against disasters. A standard policy insures your home itself and your personal belongings within.



Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

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Damage caused by most disasters is covered but there are exceptions. The most significant is damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners’ responsibility.

• Personal Liability

• Property Coverage

• Personal Umbrella Coverage