Homeowners insurance is a type of property insurance that provides coverage for damages to your home and its contents. It also provides liability protection in the event that you are sued for causing damage to someone else’s property. There are several types of homeowners insurance policies available, so it’s important to understand what is covered and what is not before you purchase a policy.

Homeowners insurance covers the expenses to repair or replace your property and belongings in the case of covered risks like fire, theft, and severe weather. Homeowners insurance is an important tool for ensuring that you may rebuild your home and replace the items inside it should something go wrong. If someone is hurt on your property, homeowners’ insurance can help protect you from paying property damage or rebuilding costs as well as provide assistance for liability risks such as if a guest was injured on your premises.