The Home Insurance Policy
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As the phrase clearly states, this policy is a legal document that protects you (as the homeowner) against losses that occur in your home. This may cover content loss, damage, or sometimes even accidents occuring inside the home. It is usually a term contract, or an agreement made for a fixed duration of time on a set and pre-agreed procedures and conditions. It may also be in the form of a perpertual contract, a lifetime agreement that protects you and your home.
Normally a home insurance is procured as a package policy providing insurance coverage for any damage to your property and your liability for any harm that you or your family member may cause to others. A home insurance policy also grants insurance for smash-ups caused by household pets.