All policies will include both property insurance with a deductible and personal liability insurance with no deductible. Let's look at some other issues:
IMPORTANT NOTE: If you're single, and buying as live-togethers, be very careful about your insurance. Some companies will cover all owners on one policy, others will not. If you suffer a theft, and the policy doesn't have your name on it, you won't be covered if it was your property that was stolen.
IMPORTANT NOTE: Many states require the purchase of worker's compensation insurance for your domestic household workers as part of your homeowner's policy. The rules in each state vary widely, so check with your insurance broker or state employment office to see how this affects you.