Homeowners InsuranceJust What is Homeowners Insurance Anyway? Homeowners insurance generally covers the structure of your home and the contents inside of it in the event of a loss. It protects you against loss as a result of some sort of disaster. Having homeowners insurance will cover damages to your property and provide liability protection as well. Homeowners insurance includes liability coverage that will protect you in the event someone is injured on your property and in some way you were liable for that injury. It will also include property damage that you or others may cause. While homeowners insurance generally covers disasters, you may need to purchase additional insurance to cover you in the event of a flood or earthquake. In general, a typical homeowners insurance policy will cover:
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