It's your home and you want to protect it with the right insurance policy. To do this it's important to understand what a standard homeowner's insurance policy includes.

 If you have an accident, auto insurance can help protect you against financial loss.  You agree to pay a premium and the insurance company agrees to pay for your losses, due to an accident, as defined in your policy. 

The first step for choosing a life insurance policy is to figure up how much your dependents will need after you're gone.