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When owning a home, you should keep homeowner's insurance on your mind as one of the most important types of insurance. Our agents will help you learn what homeowners insurance is, why you need it, and how to help you get the right policy.

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It doesn't matter whether you're looking to switch home insurance companies or just want to get a quote to see if you can save money, Baker & Carey Insurance can assist you. Our team of experienced insurance experts can assist you in finding the best policy for your home. Homeowner's insurance is not one-size-fits-all. To help you find a policy that fits your needs, we will take into account your home, your coverage needs, and your budget.

What Is Homeowners Insurance?

Standard homeowner's insurance policies insure your home’s structure and personal belongings in your home in the event of a destructive event, such as a fire. Housefires are incredibly common, and having homeowners insurance will ensure you have adequate protection in taking the next steps. Many homeowner insurance policies are a “package policy”. A package policy is a coverage that includes not only damage to your property, but also your legal responsibility or liability for any injuries or property damage to others caused by you or your family. This will include household pets as well. 

What Is Covered By A Standard Homeowners Insurance?

When it comes to standard homeowners insurance, there are many questions regarding what is covered. This is an excellent question as you will need to know exactly what is protected by your new homeowner's policy. Most standard homeowners insurance policies are going to cover:

The Dwelling

Your Personal Property

Other Structures Such As Fences

Liability To Others

Medical Payments To Others

Loss Of Use

What Is Not Covered By A Standard Homeowners Insurance?

When getting standard homeowner’s insurance, it is important to know what will NOT be covered with your policy. This can help you get a better understanding of what you will be paying for and what will be covered in the event you experience one of these events. The following instances are rarely covered by homeowners insurance and will need to be asked about when purchasing homeowners insurance:


Termite Damage


Repairs Needed Due To Lack Of Maintenance

Tree Removal That Did Not Cause Damage

Damage To A/C System From Neglect or Lack Of Maintenance


How Much Does Home Insurance Cost?

According to, the average cost of home insurance in 2022 is $1,383 a year for policies with $250,000 in dwelling coverage. However, the prices of home insurance are going to vary depending on what type of policy you get and what coverages you have. By choosing Baker & Carey to help you find the best policy for your needs, you can save both time and money by getting the perfect coverage for your specific situation. The average cost of home insurance is continuously rising and prices will be higher in certain states.

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