What Is The Meaning Of Home Insurance? 
The basics : Home insurance or homeowners insurance is an insurance carrier backed policy that provides protection for a policyholder and other ` insureds ' - as defined within the policy - in instances where the dwelling and or the personal belongings -LRB- contents -RRB- are negatively affected by the occurrence of an unforeseen , covered peril , such as fire , explosion , theft , etc. . Additionally , homeowners insurance protects the policyholder and other ` insureds ' in the event they are held liable for damages to others . This can be for injury or property . 