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[Music] homeowners insurance what is it and why do we have it lets look at an example to help us better understand Jack and Ashley worked incredibly hard and saved for years to purchase their first home they found a perfect house in a quiet neighborhood on a cul-de-sac where their two kids Timmy and Annie could play safely outside and their dog rocky could run around one day after putting the kids to bed Jack and Ashley decided to make some tea light a candle and share a quiet evening reading in bed with one another unfortunately they both fell asleep and Jack accidentally kicked the candle over catching the carpet on fire they both awoke to smoke filling the home and immediately grabbed Timmy Annie and rocky escaping the home without injury firefighters showed up quickly to put out the blaze but the damage from smoke and fire was docHub not only was the house itself impacted but the furniture and electronics as well they would have to stay in a hotel until the repairs were compl