Even
if
you're
feeling
____________________
by
all
of
your
existing
____________________
policies
?
such
as
auto
,
____________________
,
and
life
insurance
?
it's
important
to
protect
yourself
with
some
type
of
____________________
insurance
.
Your
home
is
probably
the
biggest
(
and
perhaps
most
important
)
____________________
you
will
ever
make
,
and
it's
also
vulnerable
to
disasters
,
____________________
,
and
____________________
.
Therefore
,
it's
vulnerable
to
potentially
expensive
emergencies
that
typically
are
covered
by
insurance
policies
.
What
Do
Homeowner's
Insurance
Policies
Cover
?
Because
every
house
and
homeowner
has
their
own
unique
needs
,
there
is
no
____________________
-
____________________
-
____________________
-
____________________
____________________
(
suitable
for
everyone
or
every
purpose
)
for
homeowner's
insurance
(
HOI
)
policies
.
The
types
of
____________________
you
____________________
may
be
dictated
by
your
proximity
to
potential
sources
of
____________________
(
such
as
rivers
)
and
____________________
factors
in
general
.
____________________
policies
may
offer
the
following
features
and
protections
:
Minimum
____________________
Insurance
-
This
is
the
minimum
level
of
protection
required
by
all
____________________
____________________
(
protection
against
natural
disasters
,
fire
,
theft
,
etc
.
)
Multiple
Lines
of
Coverage
-
You
may
need
additional
protections
not
offered
in
the
base
policy
,
such
as
coverage
for
a
pool
or
personal
property
stored
in
the
home
Liability
Insurance
-
Standard
HOI
policies
cover
personal
liability
for
____________________
to
others
that
occur
on
your
property
Personal
Property
Insurance
-
Your
HOI
policy
may
not
cover
the
individual
____________________
in
your
home
;
you
can
add
coverage
for
things
such
as
jewelry
or
valuable
art
Natural
Disasters
No
matter
where
you
live
,
your
home
is
probably
vulnerable
to
some
type
of
natural
disaster
.
Most
HOI
policies
do
not
cover
damage
from
disasters
such
as
hurricanes
and
____________________
unless
the
policy
specifically
covers
these
types
of
events
,
even
though
they
typically
cover
____________________
-
related
damages
,
such
as
those
caused
by
a
tornado
.
All
HOI
policies
specifically
exclude
flood
-
related
damage
unless
you
pay
more
for
____________________
;
If
you
live
in
or
near
a
flood
zone
,
you
may
be
required
to
obtain
coverage
as
a
condition
of
getting
a
loan
.
If
you
live
in
a
____________________
-
____________________
area
for
earthquakes
or
other
such
natural
disasters
,
it
may
be
____________________
to
look
into
supplemental
insurance
.
