What it covers: Protection for your home’s structure, personal belongings, and liability if someone is injured on your property. Includes homeowners, renters, and landlord policies depending on your situation.
Who needs it: Homeowners (often required by mortgage lenders), renters protecting personal belongings, and landlords covering rental properties.
How we help: We help you understand what your policy actually covers — replacement cost vs. actual cash value, what’s excluded (like flood or earthquake, which often need separate policies), and whether your coverage reflects what your home would really cost to rebuild.