Buying a home is one of the single largest investments that most people ever make. If you need to protect that investment, your main line of defense is homeowners insurance.
Homeowners insurance provides coverage in the event of damage to your property, as well as liability for injuries and damage you cause to other people.

There’s a lot to know about Property Insurance. From learning how it can help protect you and your assets…to choosing the right insurance company…to deciding what coverage options are right for you.  Not everyone has the same insurance needs. Explore answers to those questions and more here. You can even learn how you might be able to save some money along the way with special property discounts.

Most standard homeowners insurance policies will provide coverage for damage to your home (and many of the items in your home) caused by:
Theft Fire and lightning
Smoke Frozen pipes
Ice and snow

Homeowners insurance also provides coverage for liability claims, medical payments to third parties, and legal costs if a lawsuit is brought against you. The most common amount of liability coverage included in a homeowners policy is $100,000, but you may need much more, depending on your circumstances.

What's not covered? Read your homeowners insurance policy to find out exactly what is and is not covered. Do this before you suffer a loss, so you won't be surprised. Most insurers exclude damages caused by an act of war, nuclear accident, flood, earthquake, and terrorism, although you may be able to purchase special policies or endorsements that will cover these events.

Get quotes from several insurance companies when shopping for homeowners insurance. But remember, the lowest price does not always equal the best deal. Compare the coverage each policy offers, and check with your state's department of insurance to make sure that each company you're evaluating has a good reputation in the industry.

To save money, consider choosing a deductible of $250, $500, or even $1,000. In the event of a loss (e.g., water damage from a leaky roof), you'll be required to pay this amount out of your own pocket before your homeowners insurance takes over, but in the meantime, you'll save on premium charges.  Also try to have a home security system, like a fire, burglar, emergency alarm. Most insurers offer discounts for such safety features. You may also qualify for a lower insurance premium if you live near a fire department or hydrant, own a newer home, own a home built out of fire-resistant materials.

Study all the facts that can help you get the best home insurance and learn what the different home insurance can offer you and good luck!