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A typical homeowners policy offers protection across several important areas:
Depending on your location, lifestyle, or valuables, supplemental policies may be a smart addition:
Claims in this area often involve water damage, hail, and wind. Aging roofs, Gulf Coast storms, and sudden plumbing issues are frequent culprits.
Installing monitored alarm systems, smart locks, or surveillance cameras may lower your rate. Depending on the carrier and devices used, discounts could reach up to 20%.
Yes. Appliances like refrigerators, stoves, washers, and dryers fall under personal property protection. Coverage applies to theft, fire, and other covered losses up to your policy’s limits.
There’s no state law requiring it, but if you have a mortgage, your lender will likely make it a condition. Without coverage, the financial burden of a fire, storm, or theft would fall entirely on the homeowner.
Most residents carry an HO-3 policy, which covers your home, other structures (like garages or fences), belongings, liability, medical payments, and extra living costs after a covered loss.
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