Homeowner Insurance

Protect Your Home

Homeowner insurance is important to protect you and your home from risks of events that are unpredictable, such as a burglary, fire or natural disaster.  Review your homeowner policy every year as coverage changes. 

Homeowner Insurance Guide

This guide helps you better understand your home insurance policy:

• What is covered
• What is not covered, such as:
  • Flood damage - You need a separate policy. See FEMA's info about National Flood insurance program.
  • Rented structures
  • Business items
• Key things to review about coverage in your policy
  • Match coverage
  • Actual vs. replacement coverage
  • Declaration page of policy coverage
• Understanding your deductible

Common gaps in coverage

Home insurance policies vary, and you might assume certain things are covered when they aren't. When buying insurance, discuss the following with your insurance company or insurance agent:

• Sump pumps

• Sheds and detached structures

• Trampolines and pools

• Jewelry, art,, and antiques (consider extra coverage for high-value items.)

• Home office or business (this may not be covered by your homeowner insurance.)

Be prepared

Reduce your risks of loss. Commerce’s Disaster Info Center offers more info, including:  

• Preparing for a natural disaster  
• How – and why – to create a home inventory  

Check with your insurance agent or company every year about how insurance coverage may have changed for storm damage coverage.