Home Our Company Products Claims Careers More Start a Quote Log In Commercial Insurance Find us on: Legal Notices Terms & Conditions Privacy Policy Member Companies Customer Alerts Lender Sitemap ©2021 Homesite Group Incorporated. All Rights Reserved.

Home Our Company Products Claims Careers More Start a Quote Log In Homeowners Insurance Protecting Your Most Important Asset – Your Home Owning a home is part of the American dream for most people. When the unexpected happens, homeowners insurance from Homesite can prevent your dream from turning into a nightmare. Homeowners insurance is more than just something the mortgage lender requires before you can take out a loan. It is a valuable financial tool designed to protect your home and its contents fromdamage due to events like: Weather and natural disasters Fire and smoke Theft of personal property Vandalism Home insurance also protects your assets by providing liability coverage which covers you againlawsuits for injury or property damage that occurs as a result of an accident. What your policy covers: How Home Insurance Works Homeowners insurance is a “multi-line” insurance policy. Within the insurance industry, property and liability are often considered separate lines of coverage with separate premiums. With Homesite home insurance, your premium payments cover both property and liability. The premium is based on multiple insurability factors, the replacement cost of the home (which is u sually not the same as its market value) and its contents. When damage occurs to your home, property, or another person, you submit a claim to your insurance carrier. The carrier then checks to see whether the claim is covered under your policy, and if so, pays for the cost of the damages. IMPORTANT: Insurance policies can vary significantly in what and how much is covered. Always read your policy carefully to make sure you understand what it covers and what it doesn't. Find us on: Legal Notices Terms & Conditions Privacy Policy Member Companies Customer Alerts Lender Sitemap ©2021 Homesite Group Incorporated. All Rights Reserved.