Your home is your most valuable possession, don't let it be you largest risk. As a homeowner, renter, condo or co-op owner, you need to protect yourself from property loss by fire, theft and other causes of damage. In addition, you need to adequately protect yourself and your family from liability resulting from accidents and from workers compensation injuries. In general, your homeowner's insurance policy will cover the cost of repairing or rebuilding your home if it is damaged by fire, theft, storms, as well as temporary residence (if required) during repairs. A policy will also cover most of the contents within your home as related to these same damages.
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