Find out what's covered and what's important to know when it comes to protecting your property.
Homeowner’s Insurance (also known as Hazard Insurance or Home Insurance or HOI), is insurance that covers private residences.
The policies combine a number of insurance protections and usually comprise any loss attributed to your home, contents, loss of use (have to move out because of damages), loss of personal property and, insurance against liability for any accident that may occur in the home.
The "General Insurance", Insurance Program can be customized to protect the investment you’ve made in your home at a price that fits your budget.
The Homeowner’s Insurance Policy will have the following coverage:
Theft and vandalism
Fire and smoke damage
Loss due to water damage
Loss due to fire and explosion
Damage to your home, and other structures on your property
Personal property, such as furniture and other household items
Personal liability coverage in case someone gets injured on your property
A HomeOwner’s insurance policy is a group of things that are covered under the policy. The policy typically includes insurance on the building/home, the contents and liability insurance in case you are sued, under the same policy.
Optional Coverage's also available. If you possess fine jewelry, silverware and furs, or stamp or coin collections, fine art, camera equipment, collectibles, watercraft and musical instruments, or other valuables, you may add to your policy to cover the value of these items.
HomeOwner’s Insurance is intended to reimburse you for losses.
As well as covering your home and belongings, a HomeOwner’s policy will also provide protection in the event that someone is injured while visiting you and they decide to sue you for damages.