Home insurance provides compensation for damage or destruction of a home from disasters.
In some geographical areas, the standard insurances excludes certain types of disasters, such as flood and earthquakes, that require additional coverage.
Maintenance-related problems are the homeowners' responsibility.
The policy may include inventory, or this can be bought as a separate policy, especially for people who rent housing.
In some countries, insurers offer a package which may include liability and legal responsibility for injuries and property damage caused by members of the household, including pets.