Home 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.
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'