What Is Home Insurance?

Home insurance, also known as homeowner’s insurance, is a type of insurance coverage that provides protection for your home and personal property in the event of damage, theft, or other types of loss. Here’s some information to help you better understand what home insurance is and how it works.

Home insurance is a type of insurance coverage that protects your home and personal property from a wide range of risks and liabilities. Home insurance typically covers damage to your home and other structures on your property, such as a garage or shed.

It may also provide coverage for your personal belongings, liability protection, and additional living expenses if your home becomes uninhabitable due to a covered event.

• Providing for your family

  Commercial insurance can provide financial support in the event of your unexpected death.

• Fast & easy process

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• Control over policy

  We give you control over what policy you want.

• Save you money

  We try to find the best offers available.

INSURANCE BEENFITS

Why Do I need Home Insurance?

• Protects your investment: Your home is likely one of the biggest investments you’ll ever make, and home insurance can help protect that investment.
• Required by lenders: If you have a mortgage on your home, your lender will likely require you to have home insurance to protect their investment
• Peace of mind: Having home insurance can give you peace of mind knowing that you are protected in case of an unexpected event.

How Does Home Insurance Work?

When you purchase home insurance, you pay a premium to the insurance company. In return, the insurance company agrees to pay for any covered losses or damages that you may experience. The amount of coverage and the premium that you pay will depend on the specific type of home insurance policy that you purchase.

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HO-1

This is a basic policy that provides coverage for certain named perils, such as fire, theft, and vandalism.

HO-2

This is a broad policy that provides coverage for a wider range of perils, including damage from weather events and accidental water damage.

HO-3

This is a comprehensive policy that provides coverage for most perils, except for those specifically excluded in the policy.

HO-4

This is a renter’s policy that provides coverage for a renter’s personal property, liability protection, and additional living expenses

HO-5

This is an open-peril policy that provides coverage for all perils, except for those specifically excluded in the policy.

HO-6

This is a policy that provides coverage for a condominium unit owner’s personal property, liability protection, and additional living expenses.

HO-7

This is a policy that provides coverage for a mobile or manufactured home and may also include coverage for personal property and liability protection.

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