Completar frases Real Estates InsuranceVersión en línea English vocabulary por maria pesce 1 liability insurance risk all one health policy overwhelmed mortgage burglary belongings homeowner's lenders injuries coverage HOI purchase wind risk flooding coverage Hazard earthquakes size high investment fits worthwhile 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 .
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