Homeowners insurance provides financial protection against loss. A typical policy will cover the home itself and the property inside of it. In addition, a homeowners insurance policy will protect your liability or legal responsibility for damages you or the insured members of your household cause to others. Most disasters (for instance, fire), are covered under a homeowners policy but there are some exceptions. Flood and earthquakes, for example, are excluded. To protect your home against floods and earthquakes, separate policies would need to be purchased.

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