How Much Homeowners Insurance Do I Need? [Video]

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An umbrella pops up from the bottom of the screen. Text, Homeowners Insurance. The text, home insurance, appears in a search bar.

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[MUSIC PLAYING]

Home insurance, why do you need it?

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A mouse cursor hits search. A red house logo pops up in a box. The box is replaced by a shield outline and dollar signs surround it on both sides.

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Your home is most likely your biggest investment. Your homeowner’s insurance can provide financial protection in a number of ways, such as if your home or personal property are damaged, if you or a family member are held legally responsible for injuries to others or damage to their property.

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The home icon has a fire on the roof. Outlines of a family are replaced by a judge banging a gavel. The following images appear as the narrator reads the list of coverage. A hand signs a document and the house gets a check mark beside it, a hammer bangs on a nail, the house with the fire returns, a watch gets a check mark beside it, a dollar bill falls into an open hand, a T-shirt, couch, and TV appear, a garage gets a check mark, a fence breaks, a hospital gets a check mark beside it, a stack of dollar bills appears, a dolly carries boxes, a person gets a check mark beside them, a hand gets a cast, and a house breaks a window.

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Most home policies include the following coverages– dwelling coverage, to repair your home if it’s damaged by a covered cause of loss, such as a fire; personal property coverage, to reimburse you for damaged or destroyed contents in your home, like clothing, furniture, and electronics; other structures coverage, for damages to detached structures like garages and fences; loss of use coverage, to pay for housing and living expenses if you have to move out of your home while it’s being repaired as a result of a covered loss; and liability coverage, in case you are responsible for causing injuries to other people or causing damage to their property.

For more answers, go to travelers.com.

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Logo, Travelers, Text, travelers.com. Legal disclaimer: The information in this video is general in nature. Any description of coverage is necessarily simplified. whether a particular loss is covered depends on the specific facts and the provisions, exclusions, and limits of the actual policy. Nothing in this video alters the terms or conditions of any of our policies. You should read the policy for a complete description of coverage. Coverage options, limits, discounts, and deductibles are subject to state availability and to individuals meeting our underwriting criteria. Not all features available in all states. Insurance is underwritten by The Travelers Indemnity Company and its property causality affiliates., One Tower Square, Hartford, Connecticut. In California, Home insurance is underwritten by The Standard Fire Insurance Company, One Tower Square, Hartford, Connecticut 06183, Certificate of Authority number 3545, State of Domicile: Connecticut. In Texas and Washington home insurance is underwritten by Travelers Personal Insurance Company. All underwriting companies listed above are located at One Tower Square, Hartford, Connecticut 06183.

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