A homeowners policy is essential for anyone who owns a home and is issued in order to help protect you, your home and your personal property. Perils a homeowners policy can protect you against is common losses due to fire, theft, storm damage, as well as liability coverage if someone is hurt on your property.
Optional coverage can include scheduled items for high valued property such as jewelry, furs, cameras, musical instruments, silverware, rare coins, stamps, fine arts, guns, golf equipment, and more. Most homeowners policies are tailored to your needs with additional coverage added. Examples might be for water backup, identity fraud, perils during construction, increase in other structures, home business and forgery.