Homeowners insurance provides financial
protection against disasters. A standard policy insures the home
and the items you keep in your home.
Homeowners insurance covers both damage to your property and
your liability or legal responsibility for any injuries and
property damage you or members of your family cause to other
Damage caused by most disasters is covered but there are
most significant are damage caused by floods, earthquakes and
poor maintenance. You must buy two separate policies for flood
and earthquake coverage.
Auto insurance protects you against
financial loss if you have an accident. Auto insurance
provides property, liability and medical coverage.
It's also a legal necessity!