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Homeowners insurance

The coverage you're required to have — in plain terms.

Your lender requires it, so most people buy it once at closing and never look again. That's where the gaps open up. Here's what actually matters, so you can check your own policy with open eyes.

What it covers

A standard policy has a few parts: dwelling (rebuilding the house itself), personal property (your belongings), liability (if someone's hurt on your property), and loss of use (somewhere to live while it's repaired). It usually does not cover floods or earthquakes — those are separate.

The one gap people miss

Your coverage should track rebuild cost — what it takes to reconstruct the house — not the home's market value. Those two drift apart over the years (construction costs rise, land value moves separately). A policy that was right when you bought can quietly fall short. It's worth a look every couple of years.

Worth checking on your own policy

✓Does the dwelling coverage reflect today's rebuild cost, not the price you paid?
✓Is your deductible an amount you could actually cover if you had to claim tomorrow?
✓Is your liability limit enough — and would an umbrella policy make sense for extra protection?
✓Do you need flood or earthquake coverage your standard policy leaves out?
✓If you've renovated, has the coverage been updated to match the home's new rebuild value?
Where Zowly stops: we don't sell insurance, we're not paid by any insurer, and we won't tell you which policy or how much coverage to buy — that's a licensed conversation. Take this checklist to your insurer or an independent agent and let them price it for your home.

General education, not insurance advice or a recommendation. Coverage terms, requirements, and exclusions vary by policy, insurer, and state. Zowly is a financial calculation and education tool, not an insurer or advisor.