What is homeowner insurance?
It’s insurance that protects your home and personal belongings from fire, theft, vandalism and other perils.
Understanding home insurance
Homeowner insurance is an important purchase for many people. It protects your assets and satisfies your mortgage lender.
Who needs it/why should I buy it?
If you have a home and mortgage, your lender will require you to have homeowner insurance. If you don’t have a mortgage, it’s a good idea to protect your investment and buy homeowner insurance.
What's covered & not covered?
Homeowner insurance is divided into two parts: property protection and liability protection, but you should also know what is excluded.
What to consider before buying
Before you buy, figure out how much and what type of coverages you’ll need to ensure your home is properly insured.
Who sells it
Only buy insurance from a licensed agent or an authorized company. Use our agent/company lookup tool to find a licensed agent or authorized company.
How do insurance companies set homeowner rates?
They consider many factors when setting rates. Understanding how these factors affect your rates – as well as shopping around – can save you money.
What to do when changing policies
If your insurance company cancels or doesn’t renew your homeowner policy, they have to give you advance notice. Then, you’ll need to start shopping for coverage with a new company.
What are my rights?
To ensure your homeowner claim is handled in an efficient manner, we recommend you first know what your claim responsibilities and rights include.
See also
Need more help?
- Call our Insurance Consumer Hotline at 800-562-6900: 8 a.m. to 5 p.m., Monday - Friday.
- Email us