What is Home Insurance?
Even if you are not required to have homeowners insurance for your home, it may be something that you will want to consider. You do not want to have to pay out of pocket for repairs if you do not have an insurance policy. Many things can happen to your home that you cannot control and you want to be able to financially take care of the home no matter what. Homeowners insurance can provide you with that financial support.
Home insurance is also commonly called hazard insurance or homeowner's insurance (and often abbreviated in the US real estate industry as HO1), is a type of property insurance that covers a private residence.
It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory.
Typical Home Insurance Coverages
Section I — Property Coverages
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