so if a fire burns down your home, or a tree crashes through your roof, your homeowners insurance should be triggered, and the company should pay to fix any damages, less your deductible. in other words, homeowners insurance serves the owner of the home, instead of the lender.
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homeowners insurance usually helps protect more than just your home and the stuff inside it. a typical homeowners insurance policy includes liability coverage.that coverage may help you avoid paying out of pocket if, for example, a guest requires medical treatment after an injury on your property.
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