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Homeowner's insurance covers a broad range of losses or indemnity to people's houses and home possessions, as well as several types of liabilities for which homeowners might be accountable. It protects homeowners aligned with losses from such causes as theft, storms, and fires. In addition, homeowner's insurance characteristically pays for additional expenses related to home damage, such as fees for temporary lodging at the same time the damages are fixed. It moreover protects against frivolous lawsuits that could crop up from ownership of the property. It usually includes a type of coverage called medical payments. Such coverage would pay, for instance, for damages to a guest who slipped on the steps to the door of a house and suffered an injury. Homeowners insurance more often than not does not cover the risks associated with operating a home-based business, such as if a customer is injured on the premises.

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*Please note: This website provides only a simplified description of coverage’s and is not a statement of contract.  Coverage may not apply in all states.  When you receive your policy please read the complete details on coverage’s, limits, conditions, exclusions and all endorsements.