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What is Homeowner Insurance?

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Homeowner insurance provides financial protection against disasters. A standard policy ensures the home itself and the things you keep in it.

Homeowner insurance is a package policy, meaning it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes, and poor maintenance. Separate policies may be necessary for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

Learn more about homeowner insurance.