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What is home insurance

Home insurance is a crucial financial safeguard for homeowners, providing protection against risks and unforeseen events. Home insurance can also extends coverage to personal belongings, or temporary living expenses. Home insurance offers peace of mind by helping homeowners ensuring their most significant investment is adequately protected.

Protect your home and your investment with the right policy

What you get
with every plan

An affordable plan that works with your family's monthly budget.

A fixed rate for the entire premium duration, no matter how long.

A personal account manager you can always contact or consult.

FAQ

  • Why do I need homeowners insurance?

    Your family home is a major investment. At least a third of your household income will go to keep and maintain it. A life insurance policy can give your family a way to off the home's mortgage and make sure they can continue to live there worry-free.


  • What does a standard homeowners insurance policy typically cover?

    Your family home is a major investment. At least a third of your household income will go to keep and maintain it. A life insurance policy can give your family a way to off the home's mortgage and make sure they can continue to live there worry-free.


  • How much homeowners insurance coverage do I need?

    For your dwelling, you'll want enough coverage to rebuild your home at today's construction costs, not necessarily its market value. For personal property, you can choose coverage based on the actual cash value or the replacement cost of your belongings. Liability coverage limits depend on your individual risk tolerance and assets you want to protect.

  • What is the difference between actual cash value (ACV) and replacement cost value (RCV)?

    When it comes to personal property, ACV pays the current market value of your damaged or stolen items, taking depreciation into account. RCV, on the other hand, pays the cost to replace new items similar to what was lost or damaged, without deducting for depreciation. RCV coverage generally has higher premiums but can provide more comprehensive financial recovery.