A single policy has long been available to provide all of the essential property and liability insurance for owners of homes and tenants of residential buildings. Homeowner’s policies are designed for the owner-occupant of a home to cover the dwelling building, personal possessions (other than automobile and certain specifically excluded items) and personal liability. A policy may also be written to provide package protection for apartment and dwelling renters and condominium and townhouse unit-owners. Endorsements are available to extend coverage’s for particular circumstances.

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