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As the name implies, homeowners insurance is primarily designed to insure your home and its contents from any number of disasters. Homeowners insurance also offers limited liability coverage.

The purpose is to permit you to rebuild your home and replace lost, damaged, or stolen contents. What if a fire significantly damages or even destroys my home? What happens if my home is robbed when I’m on vacation with my family? Am I adequately covered if a visitor to my home slips on wet steps and suffers an injury?

As we know all too well here in New Jersey after hurricane Sandy, there are other events that can cause incredible damage that might not be fully covered in a basic homeowner’s insurance policy. The biggest investment you make in life is likely to be in your home and its contents so let us walk you through what you need to know to safeguard that investment.