Homeowners insurance is vital in ensuring the safety of your belongings, home, and most importantly, your family. Though it is not required by law, many lenders will require homeowners to have some form of coverage while there is a mortgage out on the home. Of course, we always hope that nothing will ever happen to our homes, but in the event that something does occur it is better to be prepared. 

What is Homeowners Insurance? 

Homeowners insurance is a form of coverage that is designed to support you in the event that disaster strikes your home. Homeowner’s insurance can support you after events such as natural disaster, fire, theft, etc. creates damage to your home. Homeowner’s insurance is most commonly used for coverage on traditional houses and homes; however, it can also be used for seasonal homes, shacks, and cabins. 

What Does Homeowners Insurance Cover? 

There are a few different types of coverage that homeowners can choose from to best meet their needs. Your homeowner’s insurance can cover your home, structures on your property, belongings, and yard, as well as provide coverage if a guest is injured while on your property, or in some cases if you damage another person’s property. 

Most standard insurance plans include coverage from fire, hail, windstorms, and lightning, however, not all natural disasters are covered by a traditional plan. In areas with frequent earthquakes and floods, additional protection may need to be added. Your total insurance plan for your home should cover your priorities, such as belongings or additional structures, as well as your concerns. When you are selecting or creating your homeowner’s insurance, it is important that you consider all the potential hazards that may be present in your area. 

Types of Homeowners Insurance

Your homeowner’s insurance can be used to protect homes small, big, and everything in between. There are special insurance plans for townhomes and twin homes. Townhome insurance is made to take into account that you do not control the behaviors and actions of those living in the household attached to your own. Townhome insurance varies depending on whether or not your home is a part of an association. If you are a part of an association, your insurance will cover everything that the association doesn’t. With townhome insurance, you are only liable for what is inside your walls. 


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