Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it. 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.
1.) Homeowners Policy: Designed for owner occupied dwellings.
2.) Renter’s Policy: Designed to cover contents in a rented dwelling.
3.) Condominium Policy: Designed to provide coverage for owners occupied or tenant occupied condos.
4.) Dwelling Coverage: Protection against covered perils.