It covers the house structure, personal belongings, liability protection, and additional living expenses if the home is temporarily uninhabitable.

While not legally required, most mortgage lenders require it as a condition of the loan.

Contact your insurance company immediately, document the damage with photos or video, and fill out the necessary claim forms.

Yes, you can usually update your policy to increase or decrease coverage as your needs change.

Mold coverage can be limited and is typically only covered if it’s a result of a covered peril.

Factors include your home’s location, size, age, construction type, and your coverage amount and deductible.

An umbrella policy provides additional liability coverage beyond the limits of your homeowners policy.

Some policies offer identity theft protection as an additional rider.

Review your policy annually to make sure it still meets your needs, especially after major life events or home improvements.

Yes, many insurers offer discounts if you have a home security system installed.