A Homeowners Insurance Policy offers protection for your dwelling, as well as your personal possessions and personal liability.

If something like fire makes your home uninhabitable, Homeowners Insurance covers the increased costs of a place to live until you can move back in.

Homeowners Insurance can replace personal belongings at replacement value – not the depreciated value.

Homeowners insurance can help protect you in case of a liability lawsuit against you.

This could occur in a situation where you are held responsible for:

• Injury to another person

• Damage to another person’s property

This could apply whether the incident occurred within your residence or elsewhere