Beneficiaries of mortgage insurance: In a view of fact that, property mortgage insurance initially offers security to the lenders, this means that lenders are the first to achieve benefit from such mortgage insurance. Homeowner's insurance insures the property: dwelling, personal property, other structures on the property, etc. Also, the State Treasurer select and appoint a board of technical advisory for providing advises and information to regulate the business of Florida Citizens Property Insurance Corporation. Louisiana Citizens Property Insurance Corporation FAIR Plans and Coastal are the state bodies, and to run these entities the Louisiana Citizens Property Insurance Corporation is introduced. Standard perils covered by your property insurance "Perils" in home properly insurance refers to the occurrence of damages caused by it. Many insurance companies have a brief description about the perils occur by the policies and they also consider those damages. One of the most important perils is lightening damage and fire. Two Categories of Investment Property Insurance Residential and commercial residential investment properties are the two categories of investment property insurance. Residential investment property insurance compensate for the losses or damages of tenements, condo unites, apartments, homes, etc. Whereas, commercial investment property insurance offers cover to the buildings, malls, centers, office unit, etc. If the examiner detects a problem or finds a "cloud", than it is corrected by the examiner of title. So, what is the necessity of home title property insurance? If title of property is concluded fine then the requirement of home title property insurance decreases. Well, this not true at all. The offered policies packages of business property insurance covers the risk of cargo, machinery and boiler, property, and construction and builder's risk. This business property insurance company also offers a reinsurance package to the clients. This helps to achieve additional protection from any damages or losses.