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What does homeowners insurance cover?

Homeowners insurance is a type of property insurance that can include coverage for the physical structure of your home and your personal belongings. It can also include liability protection, as well as additional living expenses if you’re temporarily unable to live in your home due to a covered loss.

How do I get a MSI homeowners insurance policy?

MSI works exclusively with select agency partners. Please fill out the Contact Us form for additional assistance.

What is the difference between market value and replacement cost?

Market value refers to the amount a buyer would pay for your home, including the land. Replacement cost is the cost to rebuild your home, not including the land. Replacement cost, or the amount of insurance coverage you select on your policy, could be higher or lower than the market value of your home.

How much homeowners insurance do I need?

We encourage you to work with your agent to determine the right amount of coverage to meet your specific needs.

What is a deductible and how does it work?

A deductible is the amount you pay out of pocket for a loss before your insurance coverage would apply.

Does homeowners insurance cover natural disasters like floods and earthquakes?

Standard homeowners insurance does not cover floods and earthquakes. Separate policies or endorsements are needed for these coverages.

Does homeowners insurance cover personal belongings inside the home?

Yes, homeowners insurance can include coverage for personal belongings inside the home, up to a certain limit as described in the policy.