Welcome to the Homeowners Insurance group of SmartGuy.com. Feel free to interact with other professionals from across the world. You can find professionals, find deals on services, find professionals who might barter, or simple post questions, comments, or suggestions. Home insurance or homeowner's insurance covers a private residence and combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of use or loss of other personal possessions of the homeowner.