What is homeowner's insurance?

@mikel 

Homeowner's insurance is a type of property insurance that provides financial protection to homeowners in the event of damage to their property or personal belongings. It typically covers losses or damages caused by perils such as fire, theft, vandalism, lightning, windstorms, and certain natural disasters. Homeowner's insurance policies also usually include liability coverage, which protects homeowners in case someone is injured on their property or if they cause damage to someone else's property. The policy may cover the structure of the home, as well as other structures on the property, such as garages or sheds, and may also provide coverage for personal belongings, additional living expenses if the home becomes temporarily uninhabitable, and medical payments for injuries to others on the property.