As a NC homeowner, it could be assumed that you would prefer not to suffer a house fire! Losing your property or possessions from fire is a very traumatic event – not to mention dangerous, inconvenient, and expensive.
Of course if you have home insurance in place it certainly helps you to get back on your feet again, by enabling you to rebuild / repair your home and replace your possessions. However it would be better to take steps to help prevent the losses occurring in the first place.