To adequately protect your family, you must purchase a home insurance policy. There’s no way around it. Your home should be well insured against damages that can happen, and it is the responsibility of the homeowner to purchase this type of protection. There are many types of insurance coverage that you can include in your policy. Your home insurance should be based on the homeowner’s needs and budget. Here’s a home insurance breakdown for your family. 1. Building Insurance Building insurance covers any permanent structure on your property, including the roof, windows, and house structure. Structures that aren’t permanent should also be insured, such as a shed or garage, so your home insurance policy will cover the cost of restoring those items if the structure is damaged in a storm …