What is the correct translation for "homeowners insurance"?

Question

I work at an insurance company and I need to learn some basic insurance terms in order to direct our Spanish speaking callers to the right department. I would most often be asking "Do you have homeowners/automobile/life insurance?"

Answer 1

Do you have homeowners/automobile insurance?

Tiene usted un seguro de daños para su casa/automóvil?

Tiene usted asegurada su casa/automóvil?

Do you have life insurance?

Tiene usted un seguro de vida?

Answer 2

seguro de propietarios de casas

Answer 3

los propietarios de seguros de hogar