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Homeowners Insurance provides financial protection against disasters. A standard policy insures the home and the personal property inside the home. The most common disasters are FIRE, WIND STORM, WATER DAMAGE & THEFT. EARTHQUAKE & FLOOD.
Homeowners Insurance also covers your family's personal liability which includes any injuries you may cause to other people.
Examples of Liability coverage would be if you were to hit someone with a golf ball while playing golf or if your son or daughter were to hit another child with a baseball while playing in school or at a park.
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