Your house is more than four walls and a roof. It can provide you with financial security. And, it’s probably your biggest investment. Inside those walls are possessions and valuables that make your house a home—and those items need protection as well.

A standard homeowners policy safeguards your home and possessions against:

• Sudden and accidental damage from electrical current
• Fire and lightning
• Windstorms and hail
• Explosions
• Smoke damage
• Freezing
• Theft
• Glass breakage
• Falling objects
• Weight of ice, snow or sleet
• Accidental discharge of water or steam
• Vehicles
• Vandalism and malicious mischief

Homeowners insurance doesn’t only apply to those who own a single-family house. If you own a condominium, have combination dwellings, rent an apartment or if you have a second home, you can also buy insurance specifically designed for your circumstances