If you are like most homeowners or tenants, you will probably never need to submit an insurance claim. But no one is immune from misfortune. Homeowner and tenant insurance removes much of the worry from buying or renting a home or apartment. It reduces the financial hardship and aids in emotional recovery after a disaster strikes. It provides the financial assistance required to get back to where you were financially before the loss – providing more financial assistance than any community or social agency can provide.