When you imagine homeownership in the Natural State, it probably involves relaxing porch-side with your family, admiring your gorgeous surroundings without a care in the world (glass of iced tea and sleeping dog optional). What you don't imagine, we're sure, is getting stuck with property damage or liability bills that you can't afford, or losing your valuables with no way to replace them. Thankfully, that's where homeowners insurance comes in.
Dwelling coverage helps repair damage to your home — or even rebuild from the ground up if the worst happens and it's leveled by a storm, fire, or other covered risk. A standard policy also includes coverage for your belongings as well as liability protection in case a visitor is injured on your property.
Depending on the terms of your policy, you could add a wide range of other coverages, too, for everything from water backups to identity theft.