Homeowners Insurance Quote Forms
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Homeowners Insurance Information
It’s simple: Your home is a prized investment, and shielding it from harm is essential. Homeowners insurance can protect your financial livelihood if your home has damage after a covered event such as a fire.
What Is Homeowners Insurance?
A homeowners insurance policy includes both property and liability protection. Property protection helps cover the cost of repairing or replacing your personal property and your home’s structure. Liability protection can help cover lawsuits for bodily injury or property damage caused by you or your family members and any medical expenses incurred by guests injured at your home. It might also pay for the cost of litigation and any court awards up to your policy limit.
Homeowners insurance typically includes four essential protections:
- Property protection may help pay to repair or rebuild your home and any other structures on your property if it’s damaged or destroyed by fire, hail, lightning or another covered disaster. Generally, damage caused by hurricanes, floods or earthquakes is not covered by a standard policy.
- Personal property protection may help pay for furniture, clothing, sports equipment and other personal items stolen or destroyed in a covered loss. If you have expensive or high-value items, you may want to purchase a personal property endorsement or floater.
- Liability protection may help cover the costs of medical bills and lawsuits for bodily injury or property damage that you or your family members cause to others. It may also pay for guest injuries or illnesses sustained on your property.
- Additional living expenses (ALE) protection might help pay your living costs if you must live elsewhere due to damage from a covered disaster. ALE coverage may pay your hotel bills, restaurant meals and other living expenses up to your policy limit.
You may supplement your home insurance policy with additional coverage such as water and sewer backup or other endorsements. The Insurance & Financial Services At Champions can help you determine what coverage is suitable.
Is Homeowners Insurance Required?
No states mandate homeowners insurance, but your mortgage lender may require you to have this coverage before they finance your home. Regardless of it not being mandatory, homeowners insurance can give you invaluable protection if something devastating happens.
Protect Your Home and Belongings
The Insurance & Financial Services At Champions can help ensure your home and belongings have the protection that will give you peace of mind. Contact us to speak with a team member about a home insurance policy for your needs.