Most people don’t know what this home insurance and what it covers under the name of homeowner’s insurance. As per my knowledge, I hope the purpose of this home insurance, such as well as you can imagine it consists in provide protection to the customer in damage that can suffer his heritage. In a single policy we can include several types of items, like for instance: The structural damages that can suffer a home because of some earthquake or fire, loss of certain goods that are in the house, robbery etc. In order to hire a home insurance it is necessary that at least one the owners of the house, live in it, but if not, the request is refused almost immediately by the insurance company. please clarify that am I right about the home insurance.