A homeowners insurance policy protects both your home and your financial well-being. It covers damage to the structure, your personal belongings, and provides liability protection if someone is injured on your property. This type of policy is typically for owner-occupied homes — including single-family houses or properties with up to four units.

No — most standard homeowners policies do not cover damage caused by earthquakes. To protect your home from earthquake-related losses, you’ll need to purchase a separate earthquake insurance policy.

Dwelling fire insurance is designed for non-owner-occupied residential properties, such as rentals or investment homes. It covers the physical structure and, optionally, items like appliances or landlord-owned furniture. Liability protection can also be included.

Basic home insurance policies often have limited coverage for high-value items. To properly protect things like antiques, artwork, or collectibles, you’ll need to add a Scheduled Personal Property (SPP) endorsement to your policy.

Yes — you'll be asked to list damaged or stolen items. To make this easier, it’s recommended to document your belongings now using a room-by-room inventory, video walkthrough, or by keeping receipts for major purchases.