Home Insurance

A policy that financially protects your home and belongings against covered risks like fire, theft, storms, and certain accidents, while also providing liability coverage if someone is injured on your property. A standard policy typically bundles several protections: the structure of your home, personal belongings, liability, and additional living expenses if you’re temporarily displaced. Lenders usually require it for a mortgage, and it generally excludes events like floods and earthquakes, which need separate coverage.

Specialized coverage for a second home or vacation property, designed for the added risks that come with a home left empty for long stretches. Because unoccupied properties face higher chances of undetected damage, theft, or vandalism, a standard homeowners policy often isn’t enough. It can also cover risks tied to renting the property out to guests, which regular home insurance typically excludes.

Coverage designed for property owners who rent out their homes, protecting the building, liability, and lost rental income in ways a standard homeowners policy doesn’t. It typically covers the physical structure, the owner’s liability if a tenant or visitor is injured, and rental income if the property becomes uninhabitable after a covered event. It doesn’t cover a tenant’s personal belongings, which is what renters insurance is for.