Homeowner's Insurance ProductsLifeHealth - Dental - VisionLong Term CareDisability IncomePersonal LiabilityHomeownerAutoAnnuitiesBasic homeowner's insurance policies typically cover damage to your home caused by fire, vandalism, hurricane and lightning. These same policies also cover loss or damage to personal property due to theft. Expensive collections of jewelry or art may require additional coverage. Policies also cover liability up to certain limits, protecting you in the event someone is injured on your property. Lenders require that you, the homeowner, obtain adequate insurance before funding a loan. Because banks and other lending institutions typically put up 80 percent of a home's value in cash, they insist that you insure the investment. If you need to insure your home, give us a call so we can review your options together.