Homeowners insurance protects you financially when bad things happen to your home. Things like:
- Fires, lightning, and wind
- Explosions
- Vehicles crashing into your home
- Theft or vandalism
- Falling objects
- Weight of ice, snow, or sleet
Home insurance provides coverage for structures like your house, toolshed, or gazebo. And for your belongings like your TV, washer/dryer, couch, electronics, etc. It could even help pay for a guest's medical bills if they're hurt on your property. Plus, you can add additional protection for things like jewelry, collectibles, and artwork. So it can pretty much cover your home AND all your stuff.