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Home Owners Insurance

Homeowners insurance policies protect your home and your personal possessions from losses or damage. The personal property coverage pays to replace your lost worldly possessions. Homeowners insurance will protect your house from damages caused by wind, fire, vandalism, theft, lightening, and other hazards. Flood insurance is usually separate. Mortgage lenders will always require a person to have a home owners insurance policy before offering them a loan. The liability insurance portion of this policy also protects you against accidents that occur on your property, and against damages to other people or to another property.