Housing insurance is a type of coverage specially designed for owners or tenants of dwellings, including houses, apartments, condos, second homes, etc. This coverage can include protection for property damage, personal property loss, compensation for physical expenses incurred by a third party, as well as civil liability incumbent on the individual in his or her private daily activities. 

This coverage can include protection for property damage, loss of personal property, compensation for physical expenses incurred by a third party, as well as civil liability for the individual's private daily activities.

In the event of a claim, such as fire, theft or storm, the insurance can potentially cover the cost of repairing or replacing the damaged or stolen property, depending on the coverage policy.