Home Insurance vs Dwelling Insurance

1. Home Insurance:

● Who it’s for: If you own a house and live in it, you get home insurance.

● What it covers: It helps pay to fix your house if something bad happens, like a fire or storm, and it also helps replace your things inside, like furniture, clothes, or a TV. If someone gets hurt at your house, it helps with that too.

2. Landlord Insurance:

● Who it’s for: If you own a house but let someone else live there (like renting it out), you get landlord insurance.

● What it covers: It helps protect the house and anything the landlord owns in the house (like a fridge or stove), but not the renter’s stuff. It also helps the landlord if something bad happens, like the renter accidentally breaking something or if there's a problem with the property.

So, home insurance is for people who live in their home, and landlord insurance is for people who own the home but rent it out to someone else.