Chances are your home is the single most expensive item you will ever purchase and your most valuable investment. Homeowners insurance covers the structure of your home and your property as well as your personal legal responsibility (or liability) for injuries to others while they are on your property. Keep in mind that you’re covered only if the loss is caused by a peril your policy covers, so it is important to familiarize yourself with your policy.
How much insurance costs depends on the company, the type of policy, and the additional coverage which you may add. Most homeowners policies do not cover flood insurance which is administered by the National Flood Insurance Program.
If you are a policyholder who is not satisfied with a claim, you can submit a complaint form online. Our consumer affairs staff can also assist you with questions you may have about your policy.