Liability
You worked hard to get your home and belongings and you need to protect them against loss. A fire or windstorm can destroy a room or take off a roof. A neighborhood kid who falls off your porch can run up medical bills. Insurance is the protection against these sorts of damages. You need two types, property insurance on your home and your belongings and general liability insurance to cover you from damages in case of accidents or events which hurt or damage a third party.
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