ASI Lloyds, part of the ASI insurance group, offers homeowners insurance throughout the United States, according to ASI. A homeowners policy covers owner-occupied homes for damage from incidents such as fire, lightning and theft. ASI residential property insurance coverage is available in most, but not all, states as of 2015.
Homeowners insurance policies also pay the cost of replacing the home, related buildings and personal property. Coverage includes losing the use of the residence while it is being repaired, personal liability and medical payments to others who are injured on the premises, notes ASI. Homeowners can purchase additional coverage for items such as jewelry.