Help with home insurance

Understanding homeowners insurance

A home is usually the largest purchase you will make. Protecting this major investment can be important to your family’s financial future.

If you have a mortgage, your lender will require you to have homeowner insurance. If you do not have a mortgage, it is a good idea to protect your investment and buy homeowner insurance.

This page provides more information about home insurance. You can use this home insurance shopping tool to compare multiple insurance companies.

What it covers

Homeowner insurance pays for damage to your home and other structures on your property. It also may cover:

Damage to or loss to contents of your home
Your liability for accidents that occur on your property or for damage to others’ property
Insurance companies may pay for additional living expenses (hotel, meals, and more) due to fire or other covered events

What it does not cover

Floods: Flood insurance is typically provided through the National Flood Insurance Program. You must buy flood insurance through an agent. Get a referral at 888-379-9531 (toll-free).
Earthquakes: You can buy earthquake as a separate endorsement to your homeowner or renter policy or as a stand-alone policy that is separate from your homeowner policy.
Landslides (earth movement) are not covered. This type of coverage may be difficult to obtain. Talk to an agent.
Cannabis related properties: There may be coverage gaps when insuring cannabis related properties.