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Homeowners Insurance FAQs

What Does Homeowners Insurance Cover?

Homeowners insurance coverage helps pay for repairs if your home and belongings are damaged in covered perils that include, but are not limited to, fire, theft, hail, lightning strikes, and natural disasters. There are many events that are covered by homeowners insurance. Visit here to see 20 examples.

What Is Dwelling Coverage?

You’ll find the term “dwelling coverage” in your declaration page. The dwelling is the main structure on your property, usually a house. The dwelling is separate from other structures like sheds and garages, which are sometimes covered as well, depending on your coverage. Read more here .

Does Home Insurance Cover Floods?

No, you are not covered for floods with a standard homeowners insurance policy. For flood protection, you need to buy a separate flood insurance policy. Depending on whether or not you live in a high-risk area, a flood policy is sometimes required.

Does Home Insurance Cover Earthquakes?

Earthquakes are not covered in a standard homeowners insurance policy, which is not required. However, people in high risk areas, like California, would be wise carrying this added protection to a basic homeowners insurance policy.

What’s the Best Way to Get a Low Homeowners Insurance Quote?

The best way to get a cheap homeowners insurance rate is to shop around for several homeowners insurance quotes. The most time-efficient way to shop multiple homeowners insurance rates is to use SmartFinancial. You should also consider bundling your home and auto for a big discount.

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