What Does Home Insurance Include? 
Home Insurance comes in different Forms ... If the home is an owner occupied dwelling , the most common form is Homeowners Insurance - Form HO3 ; if the home is a tenant occupied dwelling , the most common form is a Landlords Package Insurance - Form DP3 . Most importantly , a home owner must have the correct form of insurance applicable to cover the property . There have been many instances where a home has been purchased as an owner occupied dwelling , accordingly , a Homeowners Form HO3 has been purchased to provide coverage for the home ; the home owner may or may not have intended to use the home as a rental home thereby renting the dwelling to another person or family . Following an incident , the insurance company may simply deny the claim based on the definitions clause in the policy stating that a homeowners policy is the primary residence of the titled owner . In the past 7 years , this has been a very common issue especially in California where non suspecting speculators buy a home for rental but declare the home as a primary residence . In the least , the situation is a misrepresentation of the risk to the insurance carrier ; in summary , the contract is null and void since the use does not match the definitions section of the policy . Home insurance may or may not include the following coverage ; Dwelling -LRB- Building Coverage -RRB- , Other Structures -LRB- detached structures -RRB- , Personal Property -LRB- Furniture & Belongings -RRB- , Loss of Use , Personal Liability and Medical Payments to Others . Please do consult with a professional if you 're not 100 % sure of the coverage form you seek . There 's no benefit to an incorrect policy form ; also , insurance can not be purchased retroactively to correct a prior error . For more information or to obtain an automated quote today : WEBSITELINK 