What is Homeowners Insurance?

Homeowners insurance provides financial protection against disasters. A standard policy covers the home, personal property, and liability.

Homeowners Insurance

Homeowners insurance is a package policy that provides financial protection in the event of a loss. It provides coverage for damage to your property, coverage for your personal property anywhere in the world, and it provides liability coverage for injuries and property damage caused by you or members of your household.

A homeowner's policy offers several standard and optional coverages. Click on each tab to learn more.


Your home may be one of your largest investments. It is well protected? Will you have enough coverage if your home is destroyed by a fire, a tornado, damaged by lightning, burglarized, or vandalized? While homeowner's insurance covers many types of disaster related losses, there are exclusions. General exclusions are damages caused by floods and earthquakes; however, earthquake coverage is offered by Houston General Insurance. Ask your independent agent to add this optional coverage to your policy.

Don’t wait for disaster to strike, click here to view available resources to help you prepare for the unexpected
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