Home Insurance ◆ 【Premium】

Standard policies almost never cover flood damage. You must purchase separate flood insurance through the National Flood Insurance Program (NFIP) or a private carrier.

Insurance is for "sudden and accidental" events. If your roof leaks because it is 30 years old and poorly maintained, your claim will likely be denied. 💡 Pro Tips to Lower Your Premium 7 Things Nobody Tells you About Homeowners Insurance

Most homeowners assume their policy is a "catch-all," but standard plans usually focus on six primary areas: home insurance

Protection if someone is injured on your property and sues you.

Detached buildings like garages, fences, or sheds. Standard policies almost never cover flood damage

Your furniture, electronics, and clothing.

Covers minor medical bills for guests injured at your home, regardless of fault. If your roof leaks because it is 30

Like floods, ground movement usually requires a specific endorsement or separate policy.