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Whether you want it because it is required by the mortgage company, or you simply want to protect your house because it is probably your most valuable asset,
homeowner insurance is essential to almost every homeowner.
A homeowners insurance can provide coverage to:
1. Your property
The structure of the house
Your personal possession inside the house.
2. Liability
For bodily injuries or property damages you or your family members caused to other people while in your home, e.g. dog bites.
3. Additional living expense when you are temporarily unable to live in your home, e.g. fire, or other insured disaster
Losses due to some natural disasters such as earthquake and flood are usually not covered by the regular homeowner insurance policy. However, special insurance are available for homeowners who would like to include these events in their policy with additonal premium.
Some of the most important determinants of homeowner insurance premium are:
Location
Value of the house
Material of the house
Area of the house
Facilities
Degree of security/protection, e.g. smoke detector, burglar alarm
For a list of discounts we offer, please see our Personal Line Discounts page for more details.
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