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[Music] home insurance why do you need it your home is most likely your biggest investment your homeowner's insurance can provide financial protection in a number of ways such as if your home or personal property are damaged if you or a family member are held legally responsible for injuries to others or damage to their property most home policies include the following coverages dwelling coverage to repair your home if it's damaged by a covered cause of loss such as a fire personal property coverage to reimburse you for damaged or destroyed contents in your home like clothing furniture and electronics other structures coverage for damages to detached structures like garages and fences loss of use coverage to pay for housing and living expenses if you have to move out of your home while it's being repaired as a result of a covered loss and liability coverage in case you are responsible for causing injuries to other people or causing damage to their proper for more answers go to traveler