For most people, their house is their single most valuable possession and largest investment. House owner's insurance protects your investment as well as you, your family and your household possessions.

If you were to suddenly lose your house due to a fire, or have the contents damaged or stolen, you probably could not afford to replace everything all at once. If somebody sued you for an injury or damage caused by you or your property, the cost of defending against that lawsuit could be very expensive regardless of the outcome.

All of these situations are covered by the house owner's package policy. And while it may be unpleasant to think about fire, theft, and other uncertainties of life, let's face it, that's reality.