​Property damage insurance can protect you from financial liability if you cause damage to someone's property in an accident. If the driver's liability insurance is insufficient to cover the damages, or if they are uninsured, you may submit a claim under your home's insurance.

The coverage ensures that drivers can bear some financial responsibility for damage caused in an accident in which they are at fault. Property damage car insurance works on a per-accident criterion, with the insurance provider paying premiums up to the amount of your policy.

Homeowners insurance protects you against the loss of your home and the financial burden of unexpected events such as a fire, flood, or earthquake. 

This policy includes repairing your house & other structures, replacing your personal belongings, and covering personal liability if you are responsible for any damage or injury. 

It might sound like a simple concept, but there is a lot to uncover about this topic. This article will provide further detail for you to understand what Home Insurance is all about.