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Your insurance company is not required to physically send an adjuster to inspect your home. Private mortgage insurance · What to do when changing. As the name indicates, Dwelling Protection protects the dwelling (building) on the residence premises that is used as your private residence. Protection for. Homeowners insurance provides a financial safety net if your home and personal possessions are damaged or destroyed. If you are a tenant, renters insurance. Home insurance deductible options will vary among insurance companies. insurance is bought from the National Flood Insurance Program or a private insurer.