Why do you need homeowners insurance? Well, there are many reasons. Here are three:

1. Protection against lawsuits if someone gets hurt on your property
2. Reimbursement for damage to not only your home, but also plumbing, heating and outside structures
3. Peace of mind knowing that if your home is destroyed, robbed or damaged, you’re covered
**The terms of individual policies control coverage, so talk to your agent about yours today