Homeowner’s insurance protects your house, its contents and your valuable possessions in case of damage, theft or loss. Policies differ from company to company. Things to look for in a homeowner’s policy include: “guaranteed replacement cost” provision, flood/ earthquake riders, “off premises” coverage. If you have a mortgage you are usually required to have this insurance but it is a good idea even if your home is paid off. The companies listed on this page are some of the most reputable in the business.