It might include risks, as well, of personal liability if someone injures themselves on your property or risks of storms, of hurricanes, earthquakes, everything else; so we call it homeowners' insurance.

其中可能包括他人,在你家里受伤而引起的个人责任风险,或者住宅遭遇暴风雨,飓风,地震,或其他灾害的风险,所以我们称其为住宅保险

金融市场课程节选 : 耶鲁公开课