Homeowner’s insurance is coverage for your home, contents and your personal liability.
A homeowner’s policy usually covers:
(1) Property damage to your home and other detached buildings.
(2) Contents and Personal belongings.
(3) Reimbursements for your additional cost to live at another place if your home is damaged and uninhabitable.
(4) Personal liability to protect you from a claim or lawsuit if you are responsible for injuries to others or damage to their property.