<human>:  What are the different types of home insurance and what do they cover?
<bot>: The different types of home insurance are:
 •Homeowners’ insurance: provides protection for the dwelling, any additional structures and their contents against loss from a variety of causes, including fire, wind, vandalism, and theft.
 •Renters' insurance: covers the belongings of tenants in the event of a loss or damage due to fire, theft, or vandalism.
 •Condo insurance: covers damage caused to the interior of the homeowner's unit and any personal belongings inside, as well as liability protection.
 •Flood insurance: covers water damage related to heavy rains, snowmelt, or rising water levels.
 •Earthquake insurance: covers any damage caused to a dwelling or its contents due to an earthquake.
 •Umbrella insurance: provides extra liability coverage over and above the policy caps of other forms of insurance, such as homeowners’ and auto insurance.