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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.

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' responsibility.
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Renter
If you rent an apartment or home, you can get coverage for the following:

• Loss or damage to personal property
• Personal liability in case of injury to others or damage to someone else's property
• Additional living expenses when your apartment is damaged
• Medical expenses paid to others who are injured in your apartment or rented home

Condo
If you own a condominium, you can get coverage for the following:

• Loss or damage to personal property
• Personal liability in case of injury to others or damage to someone else's property
• Additional living expenses when your condo is damaged
• Medical expenses paid to others who are injured in your condo

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