Homeowners Insurance

Your home and your belongings are valuable possessions that need protection. If something unfortunate should happen, home insurance may help safeguard these assets. The team of agents at Fusion Insurance is here to discuss your home insurance needs and help you learn more about your insurance options.  

What Does Homeowners Insurance Provide? 

Homeowners insurance is considered a package policy, including home protection and liability coverage for any injuries and property damage caused by you or your family members—and sometimes even your pets.  

Many home insurance policies also provide additional living expenses (ALE) coverage if a home is uninhabitable and the homeowner must live elsewhere because of damage from an insured loss. All policies vary, so be sure to check your policy to see your exact coverage details. 

How Much Coverage Do You Need? 

How much coverage you should have depends on your particular circumstances. A standard homeowners insurance policy offers protection resulting from damage to your home’s structure, including fixtures, plumbing and heating. It would be best if you planned to purchase enough insurance to cover the cost of rebuilding or repairing your home, minus the land cost. Some homeowners, including those who may have high-risk items (e.g., swimming pool) or luxury belongings, may need more coverage. Fusion Insurance can work with you to determine the best coverage for your unique needs. 

What Isn’t Covered by Home Insurance? 

While many basic home insurance policies cover a variety of common losses or damages, there may be exclusions for events such as flooding or earthquakes. Be sure to talk to your Fusion Insurance agent to discuss whether you need to purchase additional policies to ensure appropriate coverage.  

In addition, many home insurance policies won’t cover maintenance issues such as termite and insect damage, rodents or mold. Fusion Insurance can help you determine what your home insurance policy does not cover. 

What Does Coverage Cost? 

Home insurance is a significant investment, and the cost of a policy depends on numerous factors, including: 


Fusion Insurance can help explain your homeowners insurance premiums and walk you through ways to reduce your rates, if applicable.  

How We Can Help 

Fusion Insurance can help you get a policy for your specific coverage needs. Call us at 844-7FUSION to get started.