Simply stated, it’s about protecting yourself and preserving your lifestyle if something unforeseen happens to your home or possessions. For example:

• Fire, natural disaster, or an accident destroys or damages your home.
• A guest injury that holds you liable for medical bills and other expenses.
• You are a victim of theft or vandalism.
• If you are still paying for your home, your lender will require insurance.

Homeowners insurance covers unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy, so you know exactly what’s included and what is not.