09/18/2026
Your homeowners insurance should cover a wide variety of damage to your home, property, and belongings. Basic plans cover damage to all structures on your property and personal items in your home. You should also receive compensation for temporary housing, medical payments, and personal liability to cover a range of incidents that occur at home.
Some policies may exclude certain damages like flooding and mold. Check the fine print on a policy to see if it covers open or named perils, including incidents like theft and smoke damage.
Choosing the right home insurance policy can be convoluted. To find the right plan at the right price, send a message today.