You are a responsible homeowner. You take above-average care of your home. You have homeowner's insurance to cover the possibility that an unforeseen disaster should strike.
And then it happens! A tree is blown over onto your house in a wind storm and damages the roof. Or a pipe breaks and you now have 4 inches of water in your finished basement. Or maybe an upstairs toilet malfunctions and your kitchen ceiling is now lying on your kitchen floor.