Home-Insurance, photo

Home Insurance

Homeowners insurance is a financial protection policy that pays a lump sum if your house is damaged or destroyed by fire, weather, theft or other disasters.

Most homeowners who have a mortgage are required by their lender to buy homeowners insurance. But there are different types of home insurance with various types of coverage. Understanding exactly what is and isn’t covered, and the coverage amounts for the policy’s different components, is crucial before deciding on a policy.

Homeowners Insurance Costs

Homeowners insurance costs vary by state. No matter where you live, the easiest way to lower your homeowner’s insurance rate is to choose a policy with a higher deductible. The higher your deductible in the event of a claim, the lower your monthly premiums will be. Many home insurance companies offer discounts for:

  • First-time homeowners
  • Added security measures
  • Non-smokers
  • Couples


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