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Buying a home: How much Homeowners Insurance do I need?

A home is likely the largest single purchase you’ll ever make. So it makes sense that you would want to protect that investment. One way to do that is to stay on top of the inevitable repairs and maintenance that keep your home in good condition. Another way to keep your home in good condition is to buy a good homeowners insurance policy.

Homeowners insurance is a type of property insurance that safeguards your home and other valuable items. A standard policy covers damage and losses to your home and personal belongings. It also protects your assets from liability claims, such as personal injuries and pet-related incidents.

Each insurance policy covers certain “pitfalls” — the mishaps you’re protected against. According to the Insurance Information Institute, some of the most common perils covered by standard homeowners policies include:

  • Damage from an aircraft, car, or vehicle

  • Explosions

  • Falling objects

  • Fire and smoke

  • Lightning strikes

  • Riots or civil commotion

  • Theft

  • Vandalism and malicious mischief

  • Volcanic eruptions

  • Water damage (from within the home only)

  • Weight of ice, snow, and sleet

  • Windstorms and hail

While standard policies cover many different perils, they don’t cover everything, including:

  • Floods. Flood insurance is specifically excluded from standard policies, so you must buy it as a separate policy. Even if you don’t live in a flood plain, you should still consider flood insurance: 90% of natural disasters in the U.S. involve some type of flooding. Remember this: 56% of homeowners incorrectly believe flood damage is covered by their standard policy.

  • Earthquakes. Earthquake coverage is usually available as a separate policy or as an endorsement to your existing homeowner’s coverage.

  • Maintenance Damage. Homeowner’s insurance doesn’t cover mold, infestation from termites and other pests, or damage due to lack of maintenance.

  • Sewer Backup. Sewer backups aren’t covered by standard policies or by flood insurance. Coverage is usually available as a separate policy or as an endorsement.

The Bottom Line

At APD Roofing, a top-rated quality service roofing company will assist you to find out if you have the right type—and right amount—of homeowners insurance coverage. Often it doesn’t cost nearly as much as you might expect to go from a so-so policy to excellent coverage that will keep you well-protected (and let you sleep at night). Get in touch with us today.


Lead Claims Consultant, IICRC Certified

APD Roofing Houston


Office Manager

APD Roofing

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