The risk is that global warming will make hurricanes more common and I guess I'll have to--I'll just conclude that.

这种风险是全球变暖,将会导致飓风频频发生,我想我不得不进行总结了

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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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