What is homeowner's insurance?

Homeowner’s insurance policies cover damages to or destruction of your home and possessions that result from fire, theft, or other types of disasters. The insurance proceeds will help you repair or replace your home and possessions. Plus, if you have a mortgage loan on your home, the company or bank that holds your loan will require that you have homeowners’ insurance.

The information on this page is meant to provide a general overview of the law. The laws in your state and/or city may deviate significantly from those described here. If you have specific questions related to your situation you should speak with a local attorney.

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