Home Insurance 101
Everything You Need to Know Before Buying a Policy
Whether you’re buying a new home, refinancing, or just shopping around for a better rate, understanding home insurance can help you make smarter decisions. Here’s a simple guide to the basics of home insurance, no jargon, no fluff.
What Is Home Insurance?
Homeowners insurance is a policy that protects you financially if your home or belongings are damaged or destroyed by covered events such as:
What Does It Typically Cover?
Most standard policies include:
| Coverage Type | What It Protects |
|---|---|
| Dwelling | The structure of your home (walls, roof, etc.) |
| Other Structures | Detached garage, shed, fences, etc. |
| Personal Property | Furniture, electronics, clothing |
| Liability Protection | If someone is injured on your property |
| Loss of Use | Hotel/living expenses if your home is unlivable during repairs |
Optional Coverages You Can Add
How Can You Lower Your Home Insurance Cost?
Know What You're Covered For
Don’t just go with the cheapest option, make sure you understand what’s included, what’s excluded, and how much it would really cost to rebuild or repair your home.
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