Homeowners insurance is a package policy that protects you and your family financially against events that can damage or destroy your home.
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Property can be damaged by a number of causes including, fire, wind, hail, rain, lightning, underground water. In order for the policy to cover your property, the cause of the loss must be listed on the policy.
The damage can affect parts or all of your property and each of these parts has separate limits.
It is critical that you are aware your homeowners insurance policy DOES NOT COVER FLOOD damage.
Flood insurance is optional and is policy that is obtained separately.
For more information and tips on homeowners insurance:
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