Homeowners Insurance
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Compare homeowners insurance quotes with Coverzoo. You can chat with one of our fully licensed agents or get an instant quote online. Plus, if you bundle your homeowners policy with your auto insurance you can save even more money!
Do I need homeowners insurance?
Homeowners insurance isn’t required by law in the United States but there are some other important reasons that you should be thinking about a homeowners insurance policy.
If you have a mortgage on your home, your bank or lender usually requires you to have a level of cover until the loan has been repaid. Lenders have the ability to legally enforce borrowers to take out an insurance policy to cover the amount of the outstanding mortgage. If you don’t have homeowners insurance you are at risk of losing your home in the event of a fire or other disaster if you cannot afford to repair or rebuild your home.
Are my personal items covered?
One of the biggest mistakes homeowners can make is to assume that all of their personal belongings and valuables will be covered in their plan. Be sure to read the coverage details carefully as you may have to add specific valuable items separately to your policy. These items could be valuable handbags, wedding rings, jewelry, or an expensive bike.
When searching for a homeowners insurance policy, it's important to see what’s included or excluded from the policy. If you need to ask one of our insurance agents to explain what’s covered and what’s excluded.
What’s covered with a typical homeowners policy?
A pretty standard insurance policy for homeowners (or HO3) generally covers your home and your personal property and provides you with a level of cover to help repair or replace the damaged property that results from lightning, storms, fire, hail showers, theft, or vandalism.
Typically, damage caused by floods and earthquakes is not covered by basic homeowner insurance policies. Optional homeowner insurance coverages and policies may be available to cover damage due to such additional threats. Speak with our insurance agents for help determining what coverage may be best for your specific needs.