Homeowners Insurance

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Buying a home is one of your biggest investments. Protect your family and home with homeowners insurance that meets your needs. Next Door Insurance compares rates from many providers to find the best policy for you.

What Does Homeowners Insurance Cover?

Homeowners' insurance provides essential financial protection by covering damages that may arise from various causes, including:

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Damage from fires and smoke

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Water damage from a broken water heater, HVAC system, or other appliances

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Wind or hail damage

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Frozen pipes that burst

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Falling trees or other objects that hit the structure

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Burglaries or damage to personal belongings

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Lawsuits from people who get injured on your property

What Affects Your Home Insurance Rates?

The materials used to build your home, its size, and age greatly influence home insurance costs. Your neighborhood, past insurance claims, and bundling policies can also impact your rates. Regardless of your home's type, homeowners insurance protects your property and belongings, including your family.

Got a Minute?

Get a competative price on a great insurance plan in just a matter of minutes. We’ll provide tailored recommendations based on your unique situation and diligently find you the absolute best price available. You can choose to navigate this process on your own, or you can opt for the assistance of our knowledgeable live Insurance Agents, who are always ready to help you.

Common Home Insurance Coverage Types

Most homeowners policies combine property damage and liability coverage, based on what you choose. The most common types of homeowners insurance are:

Dwelling

Dwelling coverage includes the cost of rebuilding or repairing your home after a fire or natural disaster. Dwelling coverage is usually included in your homeowners policy as a covered hazard. This means your house and connected structures, like a garage, should be protected.

Personal Property

Personal property includes everything you own that isn't your house, such as furniture, clothes, and electronics. It's advisable to add personal property coverage to your policy to help protect or replace these items in case of a fire or theft. Replacing everything on your own can be challenging, so having this coverage can provide crucial assistance.

Liability

Personal liability protects you from lawsuits for injuries or damage to others caused by you, your family, or pets. Your policy may cover court costs and any settlements awarded in a lawsuit.

Next Door Insurance is committed to making it easy for homeowners to find the perfect policy. With a team that’s focused on technology and innovation, we’re creating new ways to make shopping for insurance more transparent. We’ll work with you to understand your needs and find the best deal on the market.