I have a lot of money in electronics. Between a Wii, an XBox 360, two HD televisions, an iMac, my computer with two LCD televisions, and more, if something happened, I would be out thousands of dollars. That is why I insured it all. Insurance might be a pain in the ass at times, the amount every month, the deductibles, but the truth is you complain about the price of it until something happens. Then you are very happy that you paid that money every month, because that bit each month wouldn’t be nearly as much as you would have to pay to get the same amount you have to if something happened to them.
The same goes for houses. You have a house and you want to insure it. With a house it is different than electronics or cars, with a house you would need to find a title company to insure you. A good title insurance company will tell you everything you need to know, like what is covered, what isn’t, and the types of circumstances things are covered in. There are a lot of title insurance companies out there, but you would need to find a good one, some places are looking to just take your money and not give you anything in return should something happen, so it is good to do your research before you get any.