Why coverage matters

A home is often one of the largest financial assets a family owns. Homeowners insurance helps protect that investment when covered damage, theft, liability, or unexpected loss creates major costs.

Mortgage lenders commonly require coverage, but the right policy also gives homeowners a practical safety net when repairs or rebuilding become expensive.

• Loss of use: May help with living expenses while covered repairs are being completed.
• Other structures: Can protect detached garages, sheds, fences, and similar property features.
• Optional add-ons: Flood, earthquake, sewer backup, or umbrella coverage may be useful depending on risk.