Homeowner Policies are available for principle residences or secondary dwelling such as cottages. Typically they are sold as “package” policies – the package includes the building, and additional amounts of insurance for outbuildings – such as a detached garage, shed or pool house, your contents – clothing, furnishings, appliances etc, as well as additional living expenses which pay the cost of living if you can’t occupy your house due to an insured loss.
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