Before buying an insurance policy, understand what is covered. Most homeowners cover the structure of your property, clothing and personal items. It also offers liability protection against lawsuits for property damage or injury to others on your property. Also, the insurance company covers the living expenses from when your home is damaged. Therefore, ensure that you put all these coverage into consideration before choosing an insurance policy. This will make sure that you don’t have a hard time with the company in case an accident occurs.