Home owner’s insurance covers the home owner’s home in case of damage to their properties as well as liability for injuries and damages cause to other people. The home owner’s insurance provides financial protection against disasters. If your home is insured, the policy of the insurance company that you are registered under is going to cover both damages to your property and liability. If you sustain some injuries or members of your family causes to other people, the policies of the insurance company is going to take care of every thing.A standard home owners’ insurance policy may include the four types listed below.1) The coverage of the structure of your home. This part of the policy pays for repairs and rebuilds your home if it is damage or destroyed by fire, lighting or any other disaster.2) The protection of your personal belongings. These your personal belongings may include: furniture, clothes, and other personal items. Or, if there are stolen, most insurance companies will pay at least 50%v coverage.3) The protection of liabilities. The liability portion of the insurance pays for both the cost of defending you in court and property damage that you or your family members might cause to other people. They will also pay some percentage for additional cost of living away from home. For instant, if you con not live in your home due to fire disaster or any other insured disaster.There are different policies which also protects those who rents. This policy protects the rentals’ own parts of the apartment he or she owns from fire disaster or any other disaster that may occur. This policy will only protect those who rents, if they are registered with any home insurance company.You may need a particular insurance policy to cover your personal items, liability or fees charged to your own share of a particular asset. You may also like that a particular insurance policy provides you with the following coverage: life, home, health, long-term care, disability, specialty, business, etc.Home owners insurance policies covers disasters such as fire or lightning, windstorm or hail, explosions, damages caused by aircraft or vehicles, smoke, caused by aircraft and vehicles, smoke, theft, volcanic eruption, falling objects etc.It will not be good to be a home owner without insuring your home. You can legally own a home. But, if you have bough your home and financed the payment with mortgage, the lender will require you to get home owners insurance. That is to protect the lenders investments.It will also be good for those who are renters to also insure their apartment in case of any destruction or loss of property, payments can be made.It will not be easy for a home owner who has not yet taken inventory of his home will not be able to know all his property in case of fire disaster or any other disaster. So it will be good to insure you home, so that those that are insuring you home can give account of every property that that you are having.For all home owners it will be good to insure your home and all your personal property. And also make sure you renew you contracts with the insurance company and make sure that the policy remains current for as long as you own the home.