Home owners insurance provides many valuable benefits. First, it covers losses due to fire and other hazards. Second, it provides coverage for injuries that occur on the property. Another form of home owners insurance is actually provided to cover damages, defects and replacements of major appliances. Coverage is often required before a bank will provide a mortgage loan. While the premiums for these policies can cost several hundred dollars per year, in the event of damage, injury, destruction or wear and tear of major appliances, most people find they are very glad to have the coverage in place.

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