What Does Home Insurance Cover? 
Home Insurance , Hazard Insurance or Property Insurance are synonymous general terms . 1 - 4 unit homes are usually protected by a Homeowners Insurance Policy -LRB- Owner Occupied -RRB- or a Landlords - Dwelling Fire Policy -LRB- Tenant Occupied -RRB- . The Homeowners Insurance Policy covers the Dwelling , Detached Structures , Personal Property , Loss of Use , Personal Liability and Medical Payments to Others most commonly written on Form HO-3 published by the Insurance Services Office -LRB- ISO -RRB- . It is important to study the features and perils covered ; for example , damage caused by Earthquakes and/or Floods is not covered . The Landlords - Dwelling Fire Policy covers the Dwelling , Detached Structures , Loss of Rent , and Premises Liabilitymost commonly written on Form DP-3 published by the Insurance Services Office -LRB- ISO -RRB- . It is important to study the features and perils covered ; for example , damage caused by Earthquakes and/or Floods is not covered . There is a link providing an online format to obtain a quote and buy home insurance online in multiple States ; may be used by Escrow/Closing Professionals , Mortgage Professionals , Real Estate Agents and directly by Consumers . An exemplary online experience for all ! WEBSITELINK 