Auto insurance is a contract between you and the insurance company that provides you and your family a protection against financial loss in the event of an accident. You pay the premium and the insurance company aggress to pay your losses as per your policy. Basic auto insurance is managed by US states, but the requirements vary state to state. Generally, the auto insurance covered damage caused by your car and not damage to your own car. To cover your car, you need another insurance.
Home Insurance is a necessity. It protects you against damage. Mortgage company across US requires you to have insurance coverage for the full value of your property; they will not finance your loan without a proof of home insurance. Generally, all home insurances can be customized, but all of them have some standard facilities such as,
Additional Living Expenses
Compensation to your interior and exterior of the house
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