HOME INSURANCE

Homeowners Insurance Protects Your Home & Family

Fire, theft, accidents. . . these are the kinds of threats that might cause you to lose sleep, if you didn't have the protection of homeowners insurance coverage. Fortunately, a homeowners policy will cover damage to your home and personal property due to a variety of causes (called "named perils" in insurance lingo). The personal liability portion of a homeowners policy provides coverage, for example if your litigious brother-in-law slips down your steps on a rainy day and injures himself.

Each homeowners insurance policy offers different protection, but standard policies usually provide:

  • Broad coverage for damage to your house and any permanent structures on your property (unless the cause of the damage is specifically excluded in your policy).

  • Damage to your personal property due to causes specified in your policy. (Yep, it's those "named perils" again!)

  • Limited coverage—usually $500 - $2,000—for jewelry stolen from your home. (Most policies don't cover lost jewelry.) If you need greater coverage for your prized collection, you might need a homeowners policy endorsement.

  • Coverage for personal liability exposures that arise from being a homeowner.

  • Coverage for additional costs you might incur because of a covered loss (for example, if you need to temporarily live elsewhere if a fire makes your home uninhabitable).

What kind of homeowners insurance should I choose?

That's a lot like asking, "Which house should I buy?" It all depends on your personal circumstances.

Do you live in a single-family home?

You probably need a standard homeowners insurance policy. And, lucky you! You can start a quote right here.

Do you live in a condo or co-op?

You need a different type of policy. Visit  to get more information and start a quote.

Do you rent a home but live somewhere else?

You'll need special coverage—either a dwelling fire policy or a commercial property policy. Call 562.464.1962 and let us help you find the right policy for your needs.

PLEASE NOTE

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions expressly stated in any contracts of insurance. We encourage to read your policy contract to fully understand your coverages.