If you have tangible assets, you need the protection of a homeowners insurance policy. A homeowners policy will pay to repair or replace your structure and your personal property/contents due to a covered loss i.e. fire, wind, hail, lightning, theft etc. The policy will also be your first line of defense against a lawsuit from someone injured at your home.
The cost of this coverage is determined by many rating factors one of which might be a named perils or all-risk basis. A named-perils policy covers only those losses specifically cited in the contract. The all-risk policy works the opposite way — unless a peril is specifically excluded, coverage is provided.
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