This is protection of your property, including both contents and dwelling. Liability protection covers you if someone gets hurt on your property. We also provide renters insurance, too, which protects your personal belongings and furnishings. Multipolicy discounts are available.
Policies last as long as you pay for them. If there is a fire, windstorm, hail, lightning, break-in, vandalism, dog bite, or even if someone falls on your property, your homeowners insurance will protect you.