Buying a home is probably the biggest investment most people will ever make, and every homeowner needs insurance to protect their investment. In fact, if you have a mortgage, your lender will require you insure your home.

A homeowners policy protects you in many ways:

• Insures the structure of your home if it’s damaged or destroyed by fire or other covered event

• Protects your belongings against damage, theft, or loss

• Provides living expenses if you’re displaced due to a covered loss

• Protects your personal liability if someone sues you

• Pays for medical expenses if a guest is hurt in your home or on your property

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Ways to Save on Home Insurance

Homeowners Insurance Discounts

Reduce your home insurance premium even more by applying all the discounts available to you. For example, if you’re a non-smoker, or your policy has remained claim-free, you may qualify for those discounts. Depending on your state, you may even be able to receive a discount of up to 20% off by bundling your home and auto policies.