This is insurance that covers primarily a person's residence and that also covers the owner for liability resulting from his or her personal acts.
Homeowners insurance is a package policy that combines insurance for the home, its contents, and often, the other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at home.
Damage caused by most disasters are covered but there are exceptions. The most significant are damages caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.
Depending on the company you choose, you can get discounts for:

• Having a burglar alarm
• Having a newer home
• Being claim free in the past
• Insuring your vehicles with the same company

Other advantages you could enjoy include:

• Repair Guarantees
• 24-Hour Claims Hotline
• Flexible billing -including coordinating with your mortgage company
• Living expense if your home becomes uninhabitable due to a claim

Renters Insurance
This insurance is designed for anyone who rents a house, apartment, condominium or a mobile home. Whatever your situation, you can enjoy our complete protection for all your personal belongings.
Like homeowners insurance, renters insurance will protect all your personal possessions from loss and protect you from huge legal and medical bills should someone be injured on your property.