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Home Insurance provides coverage in the event of damage to your property, as well as liability for injuries and damage you cause to other people. The homeowners insurance section of this site can help you make the right choices about this important form of protection for you and your family.

What is Home Insurance?

Home Insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Home 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.

Damage caused by most disasters is covered but there are exceptions. The most significant are 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.