Home Insurance Guide
Home insurance protects your house, personal belongings, and finances from unexpected events such as fire, theft, storms, and liability claims. This guide explains the major coverage types and helps you compare plans confidently.
Main Types of Coverage
- Dwelling: protects the physical structure of your home.
- Personal Property: covers items like electronics & furniture.
- Liability Coverage: protects you if someone is injured on your property.
Key Terms
- Deductible: what you pay before insurance starts.
- Replacement Cost: rebuilding cost without depreciation.
- Exclusions: situations not covered (flood, earthquake, etc.).
Basic Plan
Dwelling + limited personal property coverage.
Price: low
Standard Plan
Dwelling + belongings + basic liability.
Price: medium
Full Protection
All standard coverage + extra disaster protection & higher limits.
Price: high
Protect your home with confidence
Compare multiple providers and secure affordable coverage options.
Check Home Insurance Options →Frequently Asked Questions
Does home insurance cover natural disasters?
Standard plans cover fire, storms, and theft. Earthquake and flood usually require separate add-on policies depending on your region.
How much home insurance do I need?
Ideally enough to rebuild your house and replace belongings at today’s prices. Check “replacement cost” vs “actual cash value” when choosing your plan.