Dwellings and other structures -
For most of us, our home is the single, largest investment we will make.
Homeowners insurance provides coverage for damage to your home and other
structures on your property such as a shed or detached garage.
Personal Property -
Homeowners insurance also provides coverage for your household contents and
personal belongings. You may think your couch, coffee table, sweaters,
shoes, coats, TV, VCR and CD player aren't worth a lot but those items all
add up.
Personal Liability - Finally,
in the event someone is injured on your property or you damage property that
belongs to others, you could be held legally liable for the injury or
damage. A homeowner policy provides liability and personal property
insurance to financially protect you should this ever occur.