Is Fire Insurance The Same As Homeowners Insurance? 
A very broad group of Property Insurance Policy Forms are referred to as `` Fire Insurance '' in large part because that is the first common covered peril listed in these policies . A `` Homeowners '' policy is sometimes referred to as this or as a `` Hazard Insurance '' Policys well . Homeowners however is specifically coverage for single family dwellings that are the primary residence of the property owner . 