What’s Covered (and Not Covered) in a Homeowners Policy?

Covered:

Fire, theft, vandalism

Storm damage (wind/hail)

Liability (if someone gets hurt on your property)

Not Covered:

Floods (needs separate policy)

Earthquakes

Routine wear & tear

Home Insurance 101: A Beginner’s Guide

Home insurance protects your:

Home structure

Personal belongings

Liability (injuries to guests)

Additional living expenses (if displaced)

How Renters Insurance Protects You and Your Belongings

Covers your stuff (not the building) from fire, theft, and more

Includes liability (if someone’s injured in your space)

Pays for a hotel if you’re displaced

Tips for Lowering Your Homeowners Insurance Premium

Bundle home + auto

Raise your deductible

Install security systems

Keep your claims history clean

Ask about loyalty or new home discounts

What To Do If Your Home Is Damaged in a Storm?

Stay safe and document the damage

Prevent further damage (e.g., tarp roof)

File a claim ASAP

Meet with your adjuster

Track all repairs and receipts