Welcome to our Homeowners Insurance Learning Center
 Here you will find lots of helpful information that will give you valuable insight into homeowners insurance. The Learning Center covers many topics: everything from what homeowners insurance is to policy types to insurance coverages. We recommendstarting with the article titled, "What is homeowners insurance?" Then follow the links at the bottom of this article to continue through the Learning Certer's library of information!
Homeowners insurance is insurance that covers your home. A common misunderstanding is that this type of insurance only protects against damage to the home itself. The reality is that this type of insurance covers a wide range of things, depending on the type of homeowners insurance plan you have. A basic Homeowners insurance policy covers natural disasters (such as fires, etc.) and burglary. However, it can also cover the vandalization of your home, lawsuits from people injured in your home, defamation of property by an animal, etc. It's good idea to read your policy to further identify which aspects are covered.
In addition, you should also make an inventory list of what you feel needs to be protected in your home. Do you have a lot of valuables that you think should be protected? Are you in a flood zone? (Note that homeowners insurance does not cover floods; you will need to contact your auto insurance agent) Do you have coyotes, birds or other wildlife coming through your neighborhood? These are all important questions to answer. Before you take out a homeowner's insurance policy, you should talk with your homeowner's insurance agent to decide which policy would be the best for you and your family.
Remember, it is critical to document everything you own! Often after an accident happens, no one can recall all of the personal belongings they own or how much they paid for them. Be sure to keep all of your receipts and the dates of when you bought the items. Keep all receipts, statements, and canceled checks.
Write everything down in a listed inventory , or take photos / video of them. After you do this, be sure to keep the documentation in a safety deposit box, totally separate from your home!
Think about it! More than ever, quality homeowners insurance is an absolute necessity. Without it, an accident or natural disaster could mean financial ruin to you or your family.
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