The home owners insurance policy is a multiple-line insurance policy, meaning it includes liability and property coverage. The insurance features an indivisible premium, which means you pay a single premium for all the risks. The HOI policy combines different personal insurance protections such as the loss occurring in your home and its content, the loss of the use of the house (such as the additional living expenses you incur), and loss of personal possessions. The home owners insurance Wyomissing, PA policy is also a liability insurance policy that covers accidents that may happen at your house or at the home owner’s hands if he/she is within the territory of the policy.