Homeowners Insurance Basics

Homeowners insurance protects your house and personal belongings from disaster. Learn critical information about it from our insurance experts.

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What Is Homeowners Insurance?

Your home is one of the most important assets in your life. Homeowners insurance can help you protect it. Read about how it works here.

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Replacement Cost vs. Actual Cash Value

If you lose your home to a disaster, your insurer can reimburse you for damages with either the replacement cost or actual cash value (ACV). Here’s how each works and which one is best.

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Is Homeowners Insurance Required?

Home insurance is always a good idea. Most mortgage lenders will also require that you maintain a homeowners policy until you’ve paid off your mortgage. Find out if you need coverage here.