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TeachMeFinance.com - explain homeowner's insurance Homeowner's insurance --an insurance policy that .combines protection against damage to a dwelling and Is contents with protection against claims of negligence )r inappropriate action that result in someone's injury or )property damage. another definition... homeowner's insurance -- a broad form of real estate insurance coverage that combines hazard insurance with personal liability protection and other coverage. Copyright © 2005 by Mark McCracken, All Rights Reserved. TeachMeFinance.com is an informational website, and should not be used as a substitute for professional financial or legal advice. TeachMeFinance.com and its owner recommend consultation with a professional financial advisor prior to any investment or financial decision. Please read our disclaimer.