Homeowner insurance is a type of policy that provides financial protection to homeowners against damage or loss to their property and personal belongings. It typically covers a range of hazards such as fire, theft, vandalism, and natural disasters, but specific coverage may vary depending on the policy.

Homeowner insurance also includes liability coverage that protects the homeowner in case someone is injured on their property or their property causes damage to someone else's property. This coverage can help pay for medical bills, legal fees, and damages awarded in a lawsuit.

It's important to carefully review and compare different homeowner insurance policies to ensure that you have adequate coverage for your specific needs. Having homeowner insurance can provide peace of mind and financial security in case of unexpected events.