Champions Insurance

Protecting your house and its contents

What is Homeowners Insurance?

Homeowners insurance protects your house, household contents and against fire, theft and severe weather elements. Homeowners insurance is an important way to help ensure that you will be able to rebuild your home and replace the items in it should misfortune strike. Homeowners insurance can help protect you against the costs of property damage or destruction, and can also provide help to cover the costs of liability exposures if, for example, someone is injured on your property, a tree falling on a neighbor's wall, your dog bitting a passerby etc.

What Does Homeowners Insurance Cover?

A typical homeowners insurance policy generally covers your home and your personal property and helps cover the costs of losses that result from covered incidents like:

Typically, damage caused by floods and earthquakes is not covered by basic homeowners insurance policies. Optional homeowner insurance coverages and policies may be available to cover damage due to such additional threats. A Champions Insurance representative can help you determine the homeowners coverage that best fits your needs and budget. This is typically the cheapest form of insurance from as little as USD$1 per month for high density properties.

Types of Homeowners Coverage

Building Coverage

Building coverage can help pay to repair or rebuild your house if it’s damaged by a covered cause of loss. Some examples of the types of risks that may be covered include:

  • House Fires
  • Sever weather
  • Lightning
  • Damage from plumbing or appliance leaks
  • Vandalism/theft
  • Personal Liability Coverage

    Liability coverage can help protect you in the event of a claim and can provide a defense in the event of a lawsuit if you or a family member in your household is responsible for causing bodily injury or property damage to others.

    Personal Property Coverage

    Personal property coverage can pay you for the personal items in your home that may be damaged or destroyed by a covered cause of loss, which could include:

  • Your furniture
  • Electronics
  • Clothes
  • Sporting goods
  • When you’re confident you have the coverage you need to help protect your home and personal belongings, you can focus on those little moments that matter. Getting a home owners insurance quote today is quick and easy