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Homeowners insurance provides coverage in the event of damage to your property, as well as liability for injuries and damage you cause to other people. when natural disaster occurs and it crashes out houses due to floods, cyclones, hurricanes etc., this insurance pays us compensation for us in loss. so it acts as a kind of investment for the home owners even in loss. for home owners insurance, flood insurance, hurricane insurance etc., refer http://www.insureyourhome.com/ for details and informations.