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Home insurance - Home insurance, or homeowners insurance, is an insurance policy that combines various personal insurance protections which can include losses occuring to ones home, its contents, loss of its use (additional living expenses), loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home.
Joint and several liability - Joint and several liability is a common law rule of liability, whereby a plaintiff may recover the entirety of the damages from any of negligent defendants independent of their individual share of the liability. The rule is often applied in tort cases, though it is sometimes invoked regarding insurance, business and agency law.
Life insurance tax shelter - Life insurance proceeds are not taxable in many jurisdictions. Since most other forms of income are taxable (such as capital gains, dividends and interest income), consumers are often advised to purchase life insurance policies to either offset future tax liabilities, or to shelter the growth of their investments from taxation.
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