In the USA, individual states have the primary rights to regulate the operation of citizen property insurance organizations. The name of these government agencies varies in each state. Sometimes these agencies are called "Division of Insurance", "Insurance Bureau", or "Department of Insurance". For instance, customer or employee gets hurt due to the negligence in working hour or a consumer is injured. If the person chooses to sue you in lawsuit then, property insurance coverage to this area will compensate for the lawsuit charges and fees. Also, the property insurance will pay for the fees of lawyer. Home property insurance covers damages from floods which are caused by heating, plumbing or air conditioning. These are the type of home property insurances which can be purchased with respect to damages, individually or in package. Purchasing all-peril insurance for home property is much better in order to save expenses. But, if you want to protect your home from fire, flood, theft or and other damages, you need to get multiple policies. Insuring your home gives you peace of mind because you know that you are protected in case of unforeseen events. You don't have to get tensed about sudden mishaps like storms or earthquake. These companies tend to be major suppliers of information on disasters within the United States of America with regard to house contents insurance and property insurance claims. They submit some sort of calculation of damages coming from the latest catastrophes within the USA, Puerto Rico, and also the outer Unites States territories. The merger of the Louisiana Insurance Underwriting Plan and the Louisiana Joint Reinsurance Plan formed the Louisiana Citizens Property Insurance Corporation. The Louisiana Joint Reinsurance Plan, which is also known as Beach Plan provided liable coverage of insurance to Zone 5 house owners. Zone 5 is an area of Louisiana State, which have higher risk of hurricane.