Homeowner insurance isn't just about the liability of the damage to your home from weather elements. A major part of it is liability you have to others who may

Homeowner insurance isn't just about the liability of the damage to your home from weather elements. A major part of it is liability you have to others who may have medical or other damage associated with your property. E.g. tripping over a paving stone, tree on your land falling on a neighbor's structures, dog attacks by your dog, etc.