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Hazard Insurance vs Homeowners Insurance

People often confuse hazard insurance with homeowners insurance. In fact, your hazard coverage is only one subsection of your homeowners policy. There are also other subsections, covering a range of perils that may befall you, your home or others who are in the building. Further, as we cover in the next section, various types of policies combine hazard coverage and the other policy components in different ways, depending on your needs.