If you own a home yourself, you already know about homeowners insurance and how it’s mandatory for those who purchase residential units. What you may not know already is there are different types of homeowners insurance. Dwelling coverage, for instance, can provide owners with money to repair or rebuild their homes should substantial damages occur. Add-on policies can also be affixed to your primary policy. For example, sewage-backup insurance can cover expenses related to fixing your home after sewage water damages it.