What Homeowners Insurance Covers

1. Dwelling Coverage
Repairs or rebuilds your home’s structure (roof, walls, foundation) if damaged by events like fire, hail, windstorms, or vandalism.

2. Other Structures
Covers detached structures on your property, such as garages, sheds, or fences.

3. Personal Property
Replaces personal belongings (furniture, electronics, clothing) if they’re stolen or destroyed by a covered event.

4. Liability Protection
Covers legal expenses and damages if someone is injured on your property or if you accidentally damage someone else’s property.

5. Medical Payments
Pays for minor injuries to guests, regardless of who was at fault.

6. Loss of Use
Helps cover living expenses (like hotel stays or meals) if your home is uninhabitable due to a covered loss.

What It Doesn’t Usually Cover

• Floods [ requires separate flood insurance ]

• Earthquakes [ optional coverage or separate policy ]

• Routine maintenance or wear and tear

• Sinkholes  [ optional coverage or separate policy ]

Why It’s Important

For most homeowners, their home is their biggest investment. Homeowners insurance offers peace of mind, ensures you meet mortgage lender requirements, and protects you from unexpected financial loss.

For First-Time Homebuyers

Home Insurance Made Simple for First-Time Buyers
Buying your first home is exciting – and a little overwhelming. One thing you shouldn’t overlook? Insurance. It’s not just recommended; it’s usually required.

Home insurance protects your new investment, your belongings, and even you and your guests. We know navigating policies can be confusing, so we’ve made it easy. Our tools help you find the right coverage at a price that fits your first-time buyer budget – without the stress.

H06 insurance, also known as condo insurance, is a type of homeowners insurance policy specifically designed for condominium unit owners.

Condo/Coop/Condotel Unit Insurance [ inside walls coverage and also called HO-6 ] 

Here’s what HO-6 insurance typically covers:

Interior of the Condo Unit

Walls, floors, ceilings, and built-in fixtures that are not covered by the condo association’s master policy. Coverage for improvements or upgrades you’ve made inside your unit.

Personal Property
Protection for your furniture, electronics, clothing, and other personal belongings in case of theft, fire, or other covered events.

Liability Protection
Covers legal and medical expenses if someone is injured inside your condo and you’re found liable.

Loss Assessment
Helps pay your share of costs if the condo association levies a special assessment for shared property damage or liability claims.

Loss of Use
Pays for temporary living expenses if your condo becomes uninhabitable due to a covered peril.

Why It’s Important:

While your condo association’s master policy may cover the building’s exterior and common areas, it typically doesn’t protect the interior of your unit or your personal belongings. That’s where an HO-6 policy comes in.