So you think that you would not need homeowners insurance because you live in a really nice neighborhood and you feel totally safe and secure and you would not need to worry at all because of the fact that you would not expect things happening.
Well, this is exactly what insurance is going to help you with – those times when things do go wrong.
They may be one to a million in terms of odds but stranger things have happened before.
What insurance will do is it will reduce that shock a bit for you – you would be able to get some compensation for the damages – but for the most part it will help you feel more secure.
For example, say a freak force of nature caused your house to get damaged.
If you had no insurance, you would need to rebuild from ground up on your own – you would be able to get that help.