Your home is your biggest asset, no matter when you bought your home or how much you paid for it. It's your place of comfort, and you want to protect it against disaster. We are here to help you get the right insurance coverage that protects you in case of an adverse event in or around your home.
In the event your home gets damaged by an adverse event, your home insurance policy will cover the repair or replacement cost of the structure and any other buildings on the land you own. Personal items owned by you and other residents of the home are replaced or reimbursed after a loss from disaster or burglary. In the event your home is uninhabitable after an event, the insurance covers the cost of your stay in another property until the house is habitable again.
If a guest gets injured at your home due to your negligence and requires medical treatment, the liability section of the policy will pay for their medical care and defend you against a lawsuit if necessary. The same applies if a visitor is injured at your home, and there's no negligence involved. The coverage only applies to those who are guests in your home and will not cover you or any family members if they are injured while in residence.