For most people, their home is their most valuable asset. Homeowners insurance provides financial protection against disasters, theft, and accidents.

Standard Homeowners Insurance Coverages

A typical policy includes:
Dwelling Coverage: Protects the structure of your home.
Personal Property Coverage: Covers your belongings.
Liability Protection: Covers you if someone is injured on your property.
Additional Living Expenses (ALE): Covers costs if your home is uninhabitable due to a covered loss.

What's Not Covered?

Standard policies typically do not cover damage from floods or earthquakes; you'll need separate policies for those.