Break-ins happen all the time, in many different places. No one is safe when a thief wants to break into your home. If you have something that they want, they will more than likely end up with it. Once a break happens there is not much you can do other than call the police. If you do not have insurance, all you can do is sit back, hope the police catch the person and all your belongings can be found.
Of course, having home insurance cannot replace the old jewelry box your grandmother gave you, but it can replace the TV., stereo, etc. Once you make a home insurance claim, an insurance agent will come out to your home and assess the damage, take photo’s, make a list of what was taken from the home, and the value of each.
It is a long process, but in the end they are able to pay you to replace some of those belongings. Without the insurance, you would have to find a way to purchase those items all over again, if you plan to have them in your home. If you have insurance it is better to have a list of everything in your home already written out, on a just in case measure. It makes things go a lot easier.
Home insurance can really help you in the end. We all hope to never have a disaster happen where we have to claim insurance, but it is nice to have a backup. It can save your family a lot of time and hassle in the end.