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

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But even then if you are mugged, the best thing is to give them your belongings and leave.

但如果你遭遇抢劫，最好的办法就是把你的财物都给他们，然后离开。

大城市是否危险？ - SpeakingMax英语口语达人