Home Insurance 

Your home is the place where you and your family will spend the majority of time, a place of refuge and comfort. Protecting your home is one of the most important duties you have as a homeowner. One way you can do this is by finding a home insurance policy tailored for your home and your needs. 

The insurance professionals at Newberry Insurance Group understand that every home is different and you deserve home insurance that is affordable and comprehensive. We will pair you with the best insurance policy for your home with dedicated customer service and professional insurance experience. 

What is Covered Under Home Insurance? 

A basic home insurance policy covers four main areas: 

Liability 

Personal general liability under home insurance covers accidents of bodily injury and property damage someone else may suffer. For example, if a visitor trips and falls in your home, liability insurance can help pay for their medical bills. It can also protect you in case of a lawsuit regarding these types of accidents. Liability can also extend to cover damage and injuries caused by your children or pets. If your pet bites someone, or if your child accidentally breaks someone’s window with a baseball, liability insurance can help pay for the related expenses. 

Dwelling 

Dwelling coverage provides compensation for damages to the physical home and its attached structures. It covers against a list of perils, including fire, wind, hail, lightning, smoke, explosions, falling objects, theft and vandalism. This does not generally cover things such as fences and outdoor signs. 

Personal Belongings 

Personal belongings coverage provides compensation if your personal items are lost or damaged due to many of the same perils as covered by dwelling insurance. There are also optional policy floaters available to cover your expensive items such as jewelry, furs, art and electronics. 

Additional Living Expenses 

Additional living expense coverage helps cover costs related to temporarily moving if your home is rendered uninhabitable by a disaster. If a hurricane sweeps in and destroys your home, for example, this coverage can help with the cost of food, temporary shelter and more. 

How is Home Insurance Calculated? 

Home insurance premiums are primarily calculated based on how likely you are to file a claim on your home insurance policy. This includes risk factors such as your: 


Fill out a quote form to save money on home insurance with Newberry Insurance Group today. 

Insuring Your Home 

It is important to protect your home and your livelihood in case of an accident. Call Newberry Insurance Group at 800-317-6122 or fill out a quote form to get started. 

Common Home Insurance Questions 

How Far in Advance Can I Buy Home Insurance? 

You should ideally purchase home insurance before moving into your new home. Having coverage from the moment you’re ready to step through the door can protect your home from damages and liability risks. 

How Much Does Home Insurance Cost? 

The cost of home insurance varies depending on your location, value of the home, coverage limits and other factors. Fill out a quote form to find out how much you can save on home insurance today. 

Why is Home Insurance Important? 

Home insurance is crucial for protecting your home and everything in it in case of an accident. Without insurance, you could find yourself paying for repairs or lawsuit expenses related to your home.