Homeowner insurance policies provide the purchaser with financial protection against disasters. In most cases the homeowner policy insures the home and the things kept inside the home and even protect the homeowner from property damage and injuries that take place on the property. Although home insurance policies protect you against most disasters, there are exceptions. Flood and Earthquake coverage are usually purchased in a separate policy, and maintenance related issues are the responsibility of the homeowner. Whitman & Whitman Insurance of Pensacola, FL offers homeowner insurance policies to put your confidence in.