Your house is more than four walls and a roof. It can provide you with financial security. And, it’s probably your biggest investment. Inside those walls are possessions and valuables that make your house a home—and those items need protection as well.
A standard homeowners policy safeguards your home and possessions against:
- Sudden and accidental damage from electrical current
- Fire and lightning
- Windstorms and hail
- Smoke damage
- Glass breakage
- Falling objects
- Weight of ice, snow or sleet
- Accidental discharge of water or steam
- Vandalism and malicious mischief
Homeowners insurance doesn’t only apply to those who own a single-family house. If you own a condominium, have combination dwellings, rent an apartment or if you have a second home, you can also buy insurance specifically designed for your circumstances.