Complete Home Insurance Guide
Homeowners insurance protects your most valuable investment. Learn about different coverage types, how to save money on premiums, and what to look for when shopping for a policy. Get the right coverage at the best price.
Why Home Insurance Matters
Understanding Your Coverage Options
Standard homeowners insurance includes four main coverage types. Each protects different aspects of your property and financial well-being.
Dwelling Coverage (Coverage A)
RequiredProtects the physical structure of your home
What's Covered
- Home structure and foundation
- Built-in appliances
- Plumbing and electrical systems
- Attached structures (garage, deck)
What's NOT Covered
- Land value
- Detached structures
- Personal belongings
- Earthquake or flood damage
Personal Property (Coverage C)
RequiredCovers your personal belongings inside and outside the home
What's Covered
- Furniture and electronics
- Clothing and jewelry
- Sports equipment
- Items temporarily away from home
What's NOT Covered
- High-value items without riders
- Business property
- Cars and boats
- Items used for business
Liability Protection (Coverage E)
RequiredProtects you if someone is injured on your property
What's Covered
- Medical bills for injured guests
- Legal defense costs
- Property damage you cause
- Dog bite incidents
What's NOT Covered
- Intentional damage
- Business liability
- Auto accidents
- Professional liability
Additional Living Expenses (Coverage D)
RequiredPays for temporary housing if your home is uninhabitable
What's Covered
- Hotel or rental costs
- Restaurant meals
- Storage fees
- Pet boarding
What's NOT Covered
- Luxury upgrades
- Normal living expenses
- Extended vacations
- Convenience expenses
6 Ways to Save on Home Insurance
Reduce your premiums without sacrificing coverage with these proven strategies.
Increase Your Deductible
Raising your deductible from $500 to $1,000 can reduce premiums by 10-25%
Bundle Home and Auto
Most insurers offer discounts when you bundle multiple policies
Install Security Systems
Burglar alarms, smoke detectors, and security cameras can reduce rates
Update Your Home
New roof, plumbing, or electrical systems can qualify for discounts
Review Coverage Annually
Make sure your coverage limits match current home values and belongings
Consider Replacement Cost
Choose replacement cost over actual cash value for better protection
Quick Premium Calculator
Estimate your annual premium based on home value and deductible
Frequently Asked Questions
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