Home Insurance

Homeowners Insurance

Why do I need Homeowners Insurance?

At Jenkins Insurance & Financial Services, we understand that homeowner’s insurance is not optional protection and we take pride in understanding your particular situation so we can match you with the best company and policy to protect your precious investments.

The information on this page will provide a useful overview of homeowner’s insurance for you and equip you with straightforward details to take the headache out of getting the right coverage for your home.

<b>What is Homeowners Insurance?</b>

What is Homeowners Insurance?

Broadly speaking, homeowner’s insurance is coverage for structures and in many cases, personal belongings, owned by the policyholder. This type of insurance is typically required by mortgage lenders in order to purchase your home and is an excellent protection for a lifetime of hard work in the event of a loss.

What Is Covered?


Homeowners insurance offers coverage for the structure of the home and will generally repair or rebuild it if it is damaged by fire, hurricane, lightning, or some other covered disaster (depending on geography). It typically also covers structures that are not attached to the house, such as tool sheds, gazebos, and garages. Homeowners insurance will not pay for routine wear and tear.

Personal Belongings

Furniture, clothes, artwork, sports equipment, electrical appliances, and other household goods are covered by homeowner’s insurance in case they are destroyed by any disaster outlined in the policy or lost to theft, typically at a percentage of the overall value. However, policies offering full coverage may be purchased.


The liability portion of the homeowner’s policy protects against lawsuits for things like bodily injury or property damage that policyholders or family members cause to other people.

Liability also pays for damage caused by pets. It pays for the cost of defending the policyholder in court and anything the court awards the other party, up to the limit of the policy.

Living Expenses

Some policies cover things like hotels and meals in the event of natural disaster or fire.

Types of Homeowner’s Insurance

Special Form

  • A special form policy is the most comprehensive type for single-family homes, and the most often used.
  • With the exception of earthquakes and floods, all events are covered under this policy, unless they are specifically excluded.
  • The contents of the home are also covered if they are explicitly listed in the policy.

Other Types

  • Condominium - specific policies exist for condo owners and can be discussed in detail with your agent.
  • Older Homes - older, often historic homes, require special considerations and some companies specialize in this type of coverage.

Broad Form

  • This type of policy builds on basic form by providing coverage for additional perils as specified.


  • This type of homeowner’s policy covers everything in a special homeowner’s policy. Additionally, all contents damaged or destroyed as a result of the hazard are covered as well, so long as the peril that caused the destruction is not explicitly excluded within the policy.

Basic Form

  • Basic form homeowner’s insurance is a policy that extends protection on a home from hazards or perils due to what the insurance industry considers damage or destruction.

Broad Form

  • This type of policy builds on basic form by providing coverage for additional perils as specified.

Why Choose Us?

We establish and maintain healthy relationships with our clients! In other words, we are with you all the way, when you need us most. We won’t just sell you the policy, we will be by your side in the event of a claim, to help you communicate effectively with the insurance company.

We do our research! Not all policies are the same. Our agency commits to actively listen to you so we can help you find the right home insurance protecting matters most to you.

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