Home Insurance helps you protect what matters most. You can't expect the unexpected, but you can be prepared for it.
Home insurance protects your home and belongings in case of a potentially costly event, such as a fire or theft. Upon paying into policies through premium payments, homeowners are be able to make a claim in case something happens to or on their property.
While home insurance is not necessarily required by law, mortgage lenders require it to secure their loans in case of an incident or accident. Some homeowners choose to carry home insurance even if they own their home outright and have no mortgage. This is to protect what could be their biggest asset.
Home insurance is available for single-family homes, condos, and tenants in the form of tenant insurance. The different types of home insurance that insurance companies offer all protect you in different ways and to different degrees.
EXAMPLE: if you live in an area classified as a flood risk, you may not qualify for flood protection, or may need to get this coverage added on.

Can I increase my home insurance coverage?
If your standard insurance policy doesn’t cover certain damages or losses, you can add additional coverage to protect against those. You may not be eligible for flood insurance if you live in a flood-prone area, for example, or you may need to add the coverage.
The insurance endorsements or riders can include coverage for natural disasters and other unexpected events. In addition to coverage for business equipment and computers inside the home, you may also be able to add coverage for home-based businesses and home-based businesses. Also, specific items can also be identified and covered, such as high-value jewelry, bicycles, memorabilia, and art.