Unless you use the cash to buy a house , or loan company must transfer before you buy homeowner's insurance . This insurance is mainly covered the losses caused by the fire on the house, so some people call it fire. In fact, homeowners insurance also covered many other reasons for housing or personal property damages, as well as guests and even passers-by accident.

Residents Insurance has the following categories.
HO-1 basic insurance : Protection and Indemnity due to fire, lightning, smoke, windstorm, hail , robbery , theft , explosion , broken glass , aircraft or vehicles, riot or civil commotion, and vandalism on housing damage. Basic insurance is also covered personal injury , damage to property of others , legal fees, medical expenses, indoor personal property , houses damaged housing costs.

HO-2 expansion Insurance (Broad): on the basis of the basic insurance additional insurance due to electric shock , the weight of snow and ice , frozen water pipes , the sky falling body , water heaters or air conditioning system breaks or burn , interior damage from water leakage .

HO-3 Full Insurance (All Risk): the basic insurance and extended insurance on the basis of additional insurance in addition to wars, floods , earthquakes and subsidence than almost all of the content . Guests also covered in the indoor or outdoor accidents , accidents in the outdoor passersby . Even after the family dog bite injuries compensation for medical expenses , and even attorneys' fees.

HO-4 tenant insurance: Coverage room apartment tenant personal property .

HO-5 Comprehensive insurance: full insurance coverage than the scope of broader, more expensive premiums .

HO-6 Apartment Insurance: Coverage apartment unit and indoor homeowner personal property . Guests or passers-by in the indoor or outdoor accident, fire , theft, or damage caused by water leakage . Homeowners must be read carefully to determine the constitution must construct apartment to buy premium amount .

HO-7 activity room insurance: For mobile home owners.

HO-8 tenements insurance: old house reconstruction price lower than the market price . Tenements insurance allows homeowners to rebuild prices lower than the market price to the insurance .

There is also a landlord fire, for non- commercial space landlord. In addition to fires , but also covered snow , storm and mold losses.