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Your house is more than just a place; it's where you live.Getting the right home insurance is important to protect what's most important to you, whether you just bought your first home or have lived there for years. We offer cheap and flexible home insurance plans at Policyian that can be changed to fit your needs and budget.
Home insurance, also known as homeowners insurance, is a type of property insurance that provides coverage for your home and personal belongings against damage or loss. It also includes liability protection in case someone is injured on your property or you cause damage to someone else’s property.
In the U.S., most mortgage lenders require homeowners to carry home insurance as part of the loan agreement. But even if it's not required, having a reliable policy gives you peace of mind and financial security in the event of an unexpected incident.
A standard home insurance policy typically includes the following coverage:
This protects the structure of your home, including walls, roof, floors, and built-in appliances, from covered perils such as fire, windstorms, hail, lightning, or vandalism.
Covers detached structures on your property like garages, sheds, fences, and guest houses.
Protects your belongings such as furniture, electronics, clothing, and other personal items, if they are stolen or damaged by a covered peril.
Covers legal expenses and damages if someone is injured on your property or if you accidentally damage someone else’s property.
If your home becomes uninhabitable due to a covered event, this pays for temporary housing and living expenses while your home is being repaired.
While homeowners insurance offers broad protection, it doesn’t cover everything. Common exclusions include:
Always review your policy details and ask about optional add-ons or home insurance endorsements to close any coverage gaps.
The cost of home insurance in the U.S. varies depending on several factors including:
On average, homeowners in the U.S. pay around $1,500 annually, but you could pay more or less based on your situation. Discounts may be available for bundling policies, having a security system, or being claims-free.
Many homeowners save by bundling their home and auto insurance policies. Ask us about multi-policy discounts to maximize your savings while simplifying your insurance management.
Protecting your home shouldn't be complicated. With Policyian, getting covered is quick and easy. Whether you’re looking for homeowners insurance for a new home, switching providers, or updating your coverage, our experienced agents are here to help.
Use our online quote tool or speak with one of our licensed agents to find the best home insurance coverage for you. It’s never too early to prepare for the unexpected. Let us help you safeguard your home and everything in it.