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What is homeowner
insurance?
Homeowner insurance provides financial
protection against disasters. A standard policy insures the home itself and the
things you keep in it.
Homeowner 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 homeowner responsibility.
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