Homeowners Insurance

• What's the best way to inventory my belongings?
• Will home insurance help me if someone gets hurt on my property?
• Do I have to have home insurance?
• I don't own. I rent. Can I still get coverage?
• What is not covered by homeowner's insurance?

Does homeowners insurance protect me if someone gets hurt on my property?

Typically homeowner's insurance covers your liabilities if a guest falls and requires medical care. The amount of liability coverage is determined by your policy limits.

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Am I required to carry homeowners insurance?

Unlike auto insurance you are not required by law to have homeowners insurance by your mortgage company may require it.

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If I rent but don't own can I still get coverage?

Yes. Renters can purchase policies very similar to homeowners that cover personal property, liability, medical expenses etc., the renters policy simply does not cover the actual dwelling.

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What is not covered by typical homeowner's insurance?

There is a wide variety of damages, conditions, and costs that are not covered by homeowner's insurance. For example:

• Your claim exceeds your maximum stated coverage amount.
• You have flood damage.
• You have losses related to business activities in your home and you do not carry incidental business insurance.
• Your claim is covered by other insurance.
• Someone else who is intentionally insured under your policy caused your claim.

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