Home Owners Insurance Home insurance policies are designed to protect your dwelling and personal property against losses from the perils listed in your policy.Home owners insurance rates vary widely based on geographic location. Areas prone to hurricanes, floods, hail, earthquakes, fires and other natural disasters will generally have higher rates. Even the distance to the nearest fire department or fire hydrant can have an impact on your home owners insurance rates. Quelle "Home Owners Insurance" : General Main page for "Home Owners Insurance"