Homeowner’s Insurance—
What You Need to Know.
*THIS IS AN OPINION ARTICLE, THAT SPECULATES ON FUTURE MARKETS. USE OR RELIANCE OF ANY OPINIONS CONTAINED ON THIS ARTICLE ARE AT YOUR OWN RISK.
Published March 21, 2025.
Written by Stephanie Malki.
Homeowner’s insurance is one of those things you don’t think about until you really need it. But making sure you have the right coverage can save you a lot of stress (and money) in the long run. Here’s a quick breakdown of what you should know:
What Does Homeowner’s Insurance Cover?
✔ Your Home – Protects against damage from things like fire, storms, and vandalism.
✔ Your Belongings – Covers personal items like furniture, electronics, and clothing.
✔ Liability Protection – Helps if someone gets injured on your property.
✔ Living Expenses – Pays for hotel stays or rentals if your home becomes unlivable due to a covered event.
What’s NOT Covered?
Most standard policies don’t cover floods or earthquakes. If you live in an area prone to these, you may need extra coverage.
How to Keep Costs Down
💰 Shop around and compare policies
💰 Bundle home and auto insurance for discounts
💰 Increase your deductible to lower monthly payments
💰 Install safety features (security systems, fire alarms) for possible savings
Review Your Policy Regularly
As home values and insurance rates change, it’s smart to review your policy yearly to make sure you’re fully covered.
Not sure if you have the right coverage? We work with the BEST insurance experts and we’d be happy to connect you with a trusted insurance expert!