1. What is homeowners insurance?
Homeowners insurance bundles together various personal insurance products under a single policy in order to protect the insured’s residence and property from damages or a loss resulting from named perils listed to the policy.

2. Why do I need homeowners insurance?
Anyone who owns and occupies a home, with or without a mortgage, has a need for homeowners insurance. Everyone has something to lose, and homeowners insurance provides security for the unexpected events in life.