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5 Benefits of Home Insurance

Your home is likely your biggest investment. Home insurance protects that investment from fire, theft, storms, and lawsuits. Here are 5 reasons every homeowner needs it — and how to get the best deal.

1

Dwelling Coverage Protects Your Home's Structure

If your home is damaged by fire, wind, hail, or other covered events, dwelling coverage pays to repair or rebuild it. The average home insurance claim for fire damage is over $77,000. Without coverage, you'd pay that out of pocket.

2

Personal Property Coverage for Everything Inside

Your furniture, electronics, clothing, and valuables are covered against theft and damage. Most policies cover 50-70% of your dwelling coverage amount for personal property. That means a $300,000 home policy covers $150,000-$210,000 in belongings.

3

Liability Protection If Someone Gets Hurt

If a guest slips on your icy driveway or your dog bites a neighbor, liability coverage pays their medical bills and legal fees. Most policies include $100,000-$300,000 in liability coverage — essential protection against lawsuits.

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4

Additional Living Expenses When You Can't Live at Home

If your home is uninhabitable after a covered event, ALE coverage pays for hotel stays, meals, and other living expenses while your home is being repaired. The average displacement lasts 6-9 months — that's $15,000-$30,000 in living costs.

5

Mortgage Requirement and Property Value Protection

Virtually all mortgage lenders require home insurance. Beyond that requirement, maintaining coverage protects your equity and ensures you can rebuild without financial ruin. Your home's value is protected whether the market is up or down.

Frequently Asked Questions

How much does home insurance cost?▼
The national average is about $1,900/year or $158/month. Your rate depends on your home's value, location, age, construction type, claims history, and the coverage limits you choose.
What does home insurance NOT cover?▼
Standard home insurance doesn't cover floods, earthquakes, normal wear and tear, pest infestations, or damage from poor maintenance. You'll need separate flood insurance (through NFIP or a private insurer) and earthquake insurance if you're in a risk zone.
How do I file a home insurance claim?▼
Contact your insurance company immediately, document the damage with photos and videos, make temporary repairs to prevent further damage (save receipts), and don't throw away damaged items until the adjuster has seen them.

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