Why is Homeowners Insurance Important?

Simply stated, it’s about protecting yourself and preserving your lifestyle if something unexpected happens to your home or possessions. For example:

  • Your home is destroyed or damaged by fire, natural disaster, or an accident.
  • A guest is injured and holds you liable for medical bills and other expenses.
  • You are a victim of theft or vandalism.
  • If you are still paying for your home, your lender will require insurance.

Homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy, so you know exactly what’s included and what is not.