If you own a home or are buying a home, you will need homeowners insurance. It will protect you against fire, theft, wind damage, broken water pipes and lawsuits resulting from an injury on your property, among other things. Your mortgage lender will require that you have a homeowners insurance policy. But not all policies are created equally. We are going to break down exactly what you need. Dwelling Coverage (Coverage A) Coverage A on your policy covers the dwelling or stru