BASICS
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it. Homeowners' insurance policies are designed to protect your dwelling and personal property against losses, primarily paying for damages to your home and its contents. Homeowners insurance can also protect you from financial liability if someone is injured on your property. Get specialty home insurance quotes, like landlords’, condominium, townhouse or renters’ insurance, or FIRE INSURANCE (DP1),--with or without liability.

COVERAGE
Common areas of coverage are dwelling fire coverage, contents - personal property, loss of use, separate structures such as a detached garage or shed, premise medical and premise liability insurance. Specialized coverage is also available for jewelry, guns, stamp collections, china, and picture or paintings. Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets. Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.