Homeowners Insurance (HO -also commonly called hazard insurance) - is the type of property insurance that covers private 1 and/or 2 family owner occupied homes.  It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of its use,(additional living expense, or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home or due to the responsibility of the homeowner within the policy territory.  It requires that at least one of the named insured's occupy the home.
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