What is Homeowners insurance?

Homeowners insurance provides financial assistance if your home is damaged or destroyed.  It also affords coverage if you become legally responsible for injury or property damage you or members of your family who reside in the household cause to other people.

Why do you need homeowners insurance?

It is really all about protecting yourself financially in case something unexpected happens to your home or personal possessions. That's important because chances are your home is likely one of your largest investments.

• If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
• If a guest in your home is injured, liability protection and medical coverage help pay expenses.
• If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
• If you are still paying for your home, your lender will require insurance.