A Quick Overview of the Different Parts of Home Insurance

Home Insurance Overview

Home insurance, often called homeowners insurance, provides financial protection for homeowners and is often required by mortgage lenders. A standard home insurance policy covers the dwelling, personal belongings, liability, and additional living expenses in case of significant damage. Check out our Homeowners Insurance page for more information.

Mobile home insurance provides various coverages to protect your home, belongings, and liability. Here are the main components:

Dwelling Coverage
This is the primary component of home insurance, covering repair or rebuilding costs if the structure is damaged by covered perils, such as fire, windstorms, or hail.
Personal Property Coverage
Personal property coverage protects belongings inside the home, like furniture, electronics, and clothing. Many policies also cover items stolen or damaged outside of the home.
Liability Protection
Liability coverage offers financial protection if someone is injured on your property or if you accidentally damage someone else’s property.
Additional Living Expenses (ALE) Coverage
If a covered event renders your home uninhabitable, ALE coverage pays for temporary living expenses, such as hotel bills and meals, while repairs are made.

Tips for Finding the Right Home Insurance Policy

To find the best home insurance policy, consider the following factors:

Coverage Limits: Make sure the dwelling and personal property limits are enough to cover your assets.
Deductible: Opt for a deductible that fits your budget in case of a claim.
Bundling Discounts: Many insurers offer discounts if you bundle home and auto insurance. Many times the savings are very large.

What We Offer at

A to Z Insurance