What Is Home Insurance?

Home insurance is designed to protect you financially if your house or belongings are damaged, destroyed, or stolen. It also covers liability — in case someone is injured on your property and sues.

We work with trusted carriers to help you build a policy that covers what matters most: your home, your stuff, and your peace of mind.

What Does Home Insurance Cover?

Standard Coverage May Include:

• Dwelling coverage – Repairs or rebuilds your home after fire, storm, or covered events

• Other structures – Covers sheds, fences, garages, and detached buildings

• Personal property – Replaces belongings like furniture, electronics, or clothing

• Liability coverage – Protects you if someone is injured on your property

• Loss of use – Helps pay for living expenses if you can’t stay in your home after a covered claim

• Medical payments to others – Pays for minor injuries to guests, regardless of fault

Why Home Insurance Matters

What Happens When the Unexpected Hits?

Even well-maintained homes face risks that are out of your control. Home insurance gives you the protection you need when disaster strikes.

• A fire damages your kitchen and smoke affects the entire home

• A tree crashes through your roof during a storm

• A guest trips on your steps and files a liability claim

• A power surge destroys your appliances after lightning strikes

Without proper coverage, even one of these could set you back tens or hundreds of thousands of dollars.

Optional Coverages and Add-Ons

Not every home — or homeowner — is the same. We offer additional options that expand your coverage where it matters most.

Add-on options may include:

• Extended dwelling replacement – Extra protection if rebuild costs exceed your base coverage

• Earthquake or flood insurance – Protection from natural disasters not covered in standard policies

• Scheduled personal property – Higher limits for jewelry, collectibles, or high-value items

• Water backup coverage – Covers damage from sump pump or sewer backups

• Identity theft protection – Assistance and recovery if your identity is stolen

We help you tailor your policy based on your home’s value, location, and lifestyle — no cookie-cutter coverage here.

Why Lenders Require Home Insurance

Home insurance isn’t required by state law, but if you have a mortgage, your lender will almost always require it. That’s because the home serves as collateral for the loan — and both you and your lender have a stake in protecting it from damage or loss.

At TrailView Insurance Agency, we help homeowners meet their lender’s insurance requirements and go beyond the basics, so you’re not just compliant — you’re confident your investment is truly protected.