Homeowners Insurance

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Homeowners policies are policies that include property, liability, theft and medical payments coverages. Standard types of insurance coverages on your home offer protection against the financial loss you might suffer if any of the following events occur:

• Property coverage
  • Fire, windstorm, hail, tornados, vandalism, smoke damage and other physical damage to your home or belongings
  • Theft of your personal property
    
    
• Liability coverage

  • Someone gets injured on your property due to your negligence or that of a member of your family. Liability coverage also provides protection when somebody else's property is damaged as a result of your negligence. If someone is injured at your home, your insurer will reimburse you for immediate necessary medical expenses, generally up to a limit of $500 or $1,000. Examples of the types of expenses that would be paid are transportation to a hospital or doctor's office or a doctor's bill for necessary first aid.