Homeowners insurance covers any damage to your house, condo, or mobile home, as well as the belongings inside. It protects against certain threats to your home like fire, theft, vandalism, and natural disasters that can harm the foundation as well as everything inside.
Additionally, homeowners insurance releases you from liability from injuries sustained inside your home or on your property. For example, if a visitor falls on your porch steps and injures their back then your homeowners insurance would cover their medical costs.
While homeowners insurance isn’t required by state law, many mortgage lenders require homeowners to have updated insurance policies as part of their terms of coverage.
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