Home Insurance

Coverage Types

Dwelling Coverage: provides protection for the physical structure of your residence.
Personal Property Coverage: protects your personal belongings inside your home.
Liability Coverage: protects you from legal and medical expenses in the event of an accident on your property.
Additional Living Expenses Coverage: covers the costs associated with living in alternative accommodation while your home is being repaired.

Benefits of Home Insurance

Financial Protection: Home insurance helps you recover financially in the event of damage to your home or personal belongings.
Liability Protection: Home insurance covers you from legal and medical expenses.
Peace of Mind: Rest easy knowing that you are covered in the event of unexpected events.
Additional Living Expenses: Home insurance can help cover the costs associated with living in alternative accommodation while your home is being rebuilt.

How To Choose a Home Insurance Plan

Follow the steps below to find the home insurance plan that works for you.

ASSESS
THE VALUE

Assess the value of your home, possessions, and potential risks to determine the coverage you need.

EXPLORE
REPUTABLE
PROVIDERS

Explore reputable home insurance providers, considering customer reviews, financial stability, and the range of coverage options they offer.

KNOW THE
COVERAGE
TYPES

Familiarize yourself with different coverage types, including dwelling coverage, personal property coverage, liability protection, and additional endorsements to tailor the policy to your needs.

ALIGN COVERAGE
WITH VALUE OF
POSSESSIONS

Ensure that coverage limits align with the value of your home and possessions, avoiding underinsurance in the event of a claim.

ASK FOR
DISCOUNTS

Ask about available discounts, such as bundling home and auto insurance, installing security systems, or having a good claims history, to maximize cost savings.

UNDERSTAND
DEDUCTIBLE
AMOUNTS

Understand the deductible amounts and choose a level that suits your budget, keeping in mind that higher deductibles often result in lower premiums.

PERIODICALLY
REVIEW & UPDATE

Periodically review and update your coverage to reflect changes in your home’s value, renovations, or the acquisition of new valuable items.

LICENSED
INSURANCE
BROKER

Consider consulting with an insurance agent for a thorough understanding of your coverage.

Frequently Asked Questions

What does home insurance cover?

Home insurance covers damages to your home and personal belongings, as well as provides liability protection in the event of an accident on your property.

Is flood insurance included in home insurance policies?

No, flood insurance is typically offered as an additional coverage option.

How can I lower my home insurance premiums?

You can lower your home insurance premiums by increasing your deductible, maintaining a good credit score, bundling your insurance policies, and installing safety features in your home.

Home insurance covers damages to your home and personal belongings, as well as provides liability protection in the event of an accident on your property.

No, flood insurance is typically offered as an additional coverage option.

You can lower your home insurance premiums by increasing your deductible, maintaining a good credit score, bundling your insurance policies, and installing safety features in your home.