Home owners insurance is the type of property insurance that covers private homes. It is an insurance policy that combines various personal insurance protections which can include losses occurring to one’s home, it’s contents, loss of it’s 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. It is a multiple-lines insurance product, meaning that it includes both property and liability coverage with an indivisible premium, meaning that one single premium is paid for all risks.

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