A homeowner policy is a protection package that provides coverage for your property, medical payments for others, and protection against claims someone else makes against you. This type of policy is available for primary residence homes occupied by the owners.

Homeowner's policy is referred to as a multiple-line insurance policy, meaning that it includes both property insurance and liability coverage, with an indivisible premium, meaning that a single premium is paid for all risks. In the US standard forms divide coverage into several categories, and the coverage provided is typically a percentage of Coverage A, which is coverage for the main dwelling