Home Insurance is also known as Homeowners Insurance and Hazard Insurance. It provides standard and optional coverages for owner-occupied, seasonal, or second homes. Homeowners Insurance covers the losses on the dwelling and its contents caused by fire, lightning, theft, windstorms, and others. It also provides personal liability protection.
Watercraft & Toy Insurance is very similar to car insurance, but it is for recreational vehicles like ATVs, boats, motorcycles, and motor-homes. These specific vehicles cannot be included on standard personal automobile policies.