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Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it. Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets. Damage caused by most disasters is covered but there are exceptions.

Homeowner's insurance is a must when you own a home. In fact, you will not even be able to obtain a loan if you do not have it. So, what exactly does homeowner insurance entail?

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