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What Is Homeowners Insurance?

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

At Main Street Insurance we want to make sure you have the proper coverage for your home and for your family. Give us a call or send us an e-mail to get a quote.

Flood Insurance

Did you know most home and business insurance policies don't cover flood losses? Let us at Main Street Insurance review your insurance coverage and make sure you have the proper coverage to protect you and your family from disaster.

Congress created the NFIP in 1968 in response to the rising cost of taxpayer-funded disaster relief for flood victims and the increasing amount of damage caused by floods. The NFIP makes federally backed flood insurance available in communities that agree to adopt and enforce floodplain management ordinances to reduce future flood damage. The NFIP is self-supporting for the average historical loss year. This means that unless there is a widespread disaster, operating expenses and flood insurance claims are financed through premiums collected.

Earthquake Insurance

Earthquake insurance is a form of property insurance that pays the policyholder in the event of an earthquake that causes damage to the property. Most ordinary homeowners insurance policies do not cover earthquake loss. However, many homeowners insurance policies can have earthquake coverage added. Let us at Main Street Insurance review your insurance coverage and make sure you have the proper coverage to protect you and your family from earthquake disaster.