Homeowners Insurance

Common Coverage

While every policy differs, some of the common things your homeowner's insurance covers include:

Insurance perils

Fire and water damage are the most common covered perils, but many other events are covered under a variety of homeowner's insurance policies available from TPC. It’s important to have a professional independent insurance agent evaluate your needs so they can match them with the right homeowner's policy, including coverage “enhancements” that add the coverage you may want or need.

Liability protection

If someone is injured on your property, your home insurance will often cover any medical or legal fees you might need to pay.

Besides your home, a homeowners policy will also cover outbuildings or structures like detached garages, barns, sheds, fences or walls.

When there’s an injury and/or property damage occurs where you are held responsible, it’s the liability insurance portion of your homeowners policy that provides you with the financial protection you need.