The feeling of violation that comes when one realizes that his or her home has been invaded and burglarized is extraordinary. Things most cherished and long held within the family can be destroyed or stolen. That which once provided a sense of security, enjoyment, or tradition, is now gone forever. It is a traumatic experience for each and every member of a family to be sure, whether it is an accidental or purposeful act. What about the financial consequences of all this? How can one possibly replace that which has been taken or somehow damaged by an act of nature? It is at this point one can be reassured by homeowners insurance. Anxiety and desperation and stress disappear as one realizes that he or she is fully protected.