To adequately protect your home, you need homeowners insurance, which typically includes coverage for the structure of your house, personal belongings, and liability for injuries or damage caused to others. Standard policies generally cover risks like fire, theft, and vandalism, but you might also need additional coverage for specific perils like floods or earthquakes, depending on your location and risk factors. Flood insurance, for example, is not included in standard homeowners policies and must be purchased separately. Additionally, consider an umbrella policy for extended liability coverage beyond your homeowners policy limits. Review your policy regularly to ensure it reflects the current value of your home and possessions, and make adjustments as needed to cover any new risks or changes in circumstances.