Home Owners Insurance : If you have a mortgage on your home the mortgage company requires you to carry Home Owners Insurance. Home Owners Insurance will protect your home, and the contents of your home in case of damage, loss, or theft. Standard Home Owners Insurance often does not cover some forms of natural disaster - i.e. hurricane, flood, tornado, etc. Home Owners Insurance companies create their policies to meet the needs of the community and geographic location of the insured property .

•Insurance article 200 - "Insurers push All-in-one Policy" from The Wall Street Journal