A Guide for Home Owners Insurance Home owners insurance includes a complete insurance package that is suitable for everyone. It is designed to provide coverage for almost every kind of damages inside home. A perfect home insurance doesn’t just include coverage for your home; it is actually a complete package for you and your family. When there are so many insurance plans available, it becomes a difficult decision to choose a plan that will satisfy your needs. Before choosing any plan, you must look at the insurance plan with detail and pick items that are mostly needed.