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HOME INSURANCE: Protects your property, your legal liability to third parties on and off premise, pays medical expenses for your guests if they get hurt even if it's not your fault, and pays your additional living expenses if you're put out of your home after a covered loss.

LANDLORD'S INSURANCE: Protects your property, your legal liability to third parties on premise, pays for medical expenses of tenants or guests if they get hurt even if it's not your fault, pays your lost income if your tenant is put out of the home after a covered loss.