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owners insurance is the largest, maximum famous of the home coverage plans. it's far designed for individuals who very own and occupy a belongings. fundamental coverage includes damages or losses in your dwelling, furnishings and fittings from storms, fireplace, robbery, vandalism and different climate-related events. it could additionally include contents coverage, because of this insurance on non-public property in your own home, which include furniture, televisions, computers and home equipment. maximum house owners coverage policies additionally consist of legal responsibility insurance, which could cowl any expenses for an individual who injures themselves on your house and wishes clinical attention or sues you.