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Homeowners Insurance

Your home is a big investment, and likely your most important one. Homeowners insurance provides broad coverage for your home and belongings, including:

  • the house, and should be for its 'replacement cost', or cost to rebuild;

  • garage, shed, barn and other structures at your property (including built-in pools);

  • your personal possessions, your stuff, such as furniture, appliances, clothing, and your toys;  

  • additional living expenses (listed under Loss of Use coverage), to reimburse you for the extra cost of living elsewhere if the house is unliveable after a disaster;

  • Liability for accidental injuries caused to others, such as a guest slipping and falling down your front stairs or off your deck.