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Homeowners Insurance 101

When you purchase homeowners insurance, you agree to pay your premiums and in return, your insurer pays for damage or loss that’s covered by your policy. When you experience a loss to your home or property, you file a claim with your insurance company to receive the benefits of your coverage. Most mortgage lenders require you to have homeowners insurance.

Your homeowners insurance covers both your property and your belongings, and most policies also pay for temporary housing if you can’t live in your home while it’s being repaired. If you have high-value items in your home, you should consider additional coverage to ensure they’re protected in case of damage or theft.

Policies vary in price depending on the value and location of your home and property, as well as the coverage you choose. Request a homeowners insurance quote and we’ll find you a competitive rate on the right coverage for you.

If you don’t own your home, you can protect your belongings with Renters Insurance.

If you have questions about homeowners insurance, we’re happy to help. Contact Kelly Miller Insurance Associates at (916) 652-3100 or email info@kellymillerinsurance.com.

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