No dwelling or resident is safe 100% of the time. All are susceptible to various household hazards like fires, weather damage, break-ins and even lawsuits brought by someone they negligently harmed. Any of these hazards could be exceptionally costly even in the smallest circumstances.
You shouldn’t have to worry about how you will pay for your recovery costs resulting from these setbacks. Your homeowners or renters insurance will ensure that you receive the financial assistance you need to recover. You won’t have to spend valuable personal funds to rebuild your life, and that is a big weight off your shoulders in the end.