Owning a home is one of life’s biggest investments, and protecting it with the right insurance is essential. Whether it’s natural disasters, theft, or unexpected accidents, home insurance ensures financial security for homeowners. At Insure, we offer comprehensive and customizable home insurance plans to fit your needs.

What is Home Insurance?

Home insurance is a contract between you and an insurance provider that financially protects your home and belongings from covered risks. It covers repair costs, liability claims, and additional living expenses in case of damage or loss.

Types of Home Insurance Coverage

1. Dwelling Coverage (Protects the Structure of Your Home)

Covers the cost of repairing or rebuilding your home due to damages caused by:

• Fire and smoke
• Windstorms and hail
• Lightning strikes
• Explosions

2. Personal Property Coverage (Protects Your Belongings)

Covers damages or theft of personal belongings, such as:

• Furniture
• Electronics
• Clothing
• Jewelry (may require additional coverage)

3. Liability Coverage (Protects Against Legal Expenses)

Covers legal fees and medical expenses if someone is injured on your property or if you accidentally cause damage to someone else’s property.

4. Additional Living Expenses (ALE) Coverage

Pays for temporary living costs if your home becomes uninhabitable due to a covered disaster, such as

• Hotel stays
• Rental homes
• Meals and transportation

5. Flood Insurance (Optional but Recommended)

Standard home insurance does not cover flood damage. A separate flood insurance policy can protect your home and belongings from rising water levels.

6. Earthquake Insurance (Optional but Recommended)

If you live in an earthquake-prone area, adding earthquake coverage ensures that structural and personal property damages are covered.

7. Home Business Coverage (For Work-From-Home Entrepreneurs)

If you run a business from home, this coverage helps protect your business equipment and liability for work-related incidents.