Secure your home with confidence & clarity
Home insurance usually covers your house structure, personal belongings, liability protection, and additional living expenses if your home becomes uninhabitable due to a covered event.
Events such as fire, storms, and hail are generally covered. Floods and earthquakes usually require separate policies or endorsements.
Notify SMINSURES as soon as possible, provide photos or documentation, and cooperate with inspections to ensure timely claim processing.
Premiums depend on location, home value, construction type, coverage limits, deductible, and claim history.
Common exclusions include wear and tear, intentional damage, flooding, earthquakes, and illegal activities unless specifically covered.
SMINSURES offers transparent policies, expert guidance, fast claims support, and customized protection for your home.