Homeowners insurance protects homeowners and their belongings in case of unexpected damage, loss, or liability. For most American homeowners, their house is not only their home but also their largest financial asset. Insurance provides the risk management that virtually every homeowner needs. Without insurance, they are at risk of losing everything in just one disaster. Lenders also require homeowners with a mortgage to always maintain insurance.

Over the past several years, soaring homeowners insurance premiums have been harming families and making coverage unaffordable across the nation. Escalating costs have forced millions of consumers to take on more risk through higher deductibles and lower quality coverage.

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