Homeowners Insurance is one of the most important policies you will ever own. For most Americans, their home represents the largest investment they will ever make. Selecting the correct carrier, coverage, and agency can mean the difference between being covered and not. Dwelling Coverage is the portion of your home policy which protects the home itself along with portions of the home attached to its slab such as an attached garage or pool.

Contents coverage will replace household items not permanently attached to the home these items include appliances, furniture, and clothing. Additionally, Homeowners policies will cover other structures, loss of use, liability and medical expenses. All these items should be taken into consideration when purchasing a policy. Unfortunately for many, it is only when a loss occurs that they will know whether they were properly insured.