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Homeowners insurance is the largest, most popular of the home insurance plans. It is designed for those who own and occupy a property. Basic coverage includes damages or losses to your dwelling, fixtures and fittings from storms, fire, theft, vandalism and other weather-related events. It can also include contents coverage, which means coverage on personal belongings in your home, such as furniture, televisions, computers and appliances. Most homeowners insurance policies also include liability coverage, which would cover any expenses for an individual who injures themselves on your property and needs medical attention or sues you.