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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Jul 19, 2021

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What is homeowners insurance?

Sometimes referred to as home insurance, homeowners insurance is an insurance policy
that homeowners purchase in order to protect the structure of their home, the personal
belongings they keep inside their home, and any other external structures which exist on
their property. For the most part, home insurance is designed to protect homeowners
against the financial consequences of natural and manmade disasters.

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Most expensive homeowners insurance premiums by state


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Paying for your coverage

Unlike other types of insurance which may charge you by the month, biannually, or give
you flexible options, most homeowners insurance companies have a rigid payment
structure. You write your insurance provider a check once per year, and you will be
protected for the next 12 consecutive months.

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Most affordable homeowners insurance premiums


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Understanding the claims process

When something damaging happens to your home, your personal property, or a visitor, you
may need to file a claim. The first thing you should do is immediately document any
damage by taking photos. If the damage is minor – especially if it would be less
expensive to repair/replace than to pay your deductible – it may be a good idea to avoid
filing a claim. This will keep your annual premiums down and keep more money in your
pocket over time. If the damage is more than you can financially handle on your own, be
prepared for a long and complicated claims process.

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Understanding “Perils”

Perils are destructive disasters or events which may happen to your home at any time and
result in either damage to or destruction of your property. Perils are the main reason
homeowners insurance exists in the first place – to protect people from the expenses
associated with recovering from a peril. If the peril in question is covered by your
insurance policy, then your filed claim will likely be honored and the claims process
should be relatively simple.

More information

In this article, we’ve really only touched the surface of what homeowners insurance is,
how it protects you, and why it’s so important to be well-informed. Many homeowners
insurance topics are nuanced enough to require a more detailed explanation. And you can
get that info by clicking the links below:

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