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Homeowners insurance is designed to provide basic financial protection from damage to your property. Homeowner policies may also cover property damage you or members of your family cause to others. A homeowners policy combines coverages for fire, windstorm, theft and liability into one convenient policy. Damage from most perils is covered under your homeowners policy, but there are exceptions. The most significant exclusions are damage caused by water, earthquakes and neglect. Although normally these are not covered under standard policies, it may be in your best interest depending on the location of your home to purchase flood or earthquake coverage under separate endorsements. Endorsements provide additional coverage that is supplemental to the standard policies. These coverages may be for items such as expensive jewelry, gold or silverware.

In addition to covering physical damage to your dwelling and its contents, your homeowners policy provides some protection from liability. This includes damages arising from the home itself or for example if a visitor falls on the sidewalk near your home. Most homeowner policies provide some basic coverage for bodily injury and medical expenses. This coverage can be increased with additional premiums. Many homeowners insurance companies offer discounts for non-smokers, for having multiple policies with the same company, for installing certain security features and for a host of other reasons. Be sure you talk to your agent and get all the discounts available to you.

Most homeowner policies include the following six basic coverage types: Dwelling, Other Structures, Personal Property, Loss of Use, Personal Liability and Medical Payments coverage. Generally, these coverages are provided under the following standard homeowner's policies:

• HO-1 covers damage due to fire or lightning, windstorm or hail, vandalism or malicious mischief, theft, damage from vehicles and aircraft, explosion, riot or civil commotion, glass breakage, smoke, volcanic eruption, and personal liability.
• HO-2 covers perils listed in HO-1, plus building collapse; freezing or discharge of water from internal plumbing, heating, air-conditioning systems or domestic appliances, falling objects, weight of ice, snow or sleet, rupture or bursting of steam or hot water heating systems, and damage from sudden electrical currents to appliances or devices or fixtures or wiring.
• HO-3 covers loss to physical property except when caused by certain exclusions (e.g. earthquake and flood) and all perils covered by HO-2 for damage to or loss of personal property (damage to contents); and personal liability. This is the most popular homeowner policies. A loss to the dwelling is settled on a replacement cost basis. Personal property losses are settled on the basis of actual cash value.
• HO-8 is for older homes it resembles the HO-1 policy, but provides limited theft coverage and loss settlements are usually based on actual cash value.
• HO-4 is intended for renters/tenants and covers personal property for all of the perils covered under HO-2 and personal liability. HO-4 does not provide coverage on the building structure, but provides other similar coverages under a homeowners policy.
• HO-6 is for condominium owners and covers personal property and liability, their portions of the building and loss of use from the similar perils as covered under HO-2.

Bear in mind, policies can vary and there may be exclusions that impact you and your coverage. Be sure to read your policy carefully and consult with an agent so you fully understand coverages and exclusions defined in your policy.

Wisonsin residents enjoy some of the lowest average homeowner insurance rates in the country. We can help you find cheap homeowner insurance from top rated insurance carriers whether you live in Milwaukee, Madison, Green Bay, Kenosha, Racine, Appleton, Waukesha, Oshkosh, Eau Claire, West Allis, WI and another city in The Badger State.