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A Typical Homeowners Insurance Policy Has Four Key Ingredients A typical homeowners insurance policy has four key ingredients. They are: 1. Homeowner insurance coverage for your home itself 2. Homeowner insurance coverage for your family's personal items 3. Homeowner liability coverage 4. Coverage for the expenses of temporary living should you have to vacate your home because of fire, flood or other disaster covered by your homeowner policy. The portion of the homeowner coverage for your home itself provides funds for the repai...