Bad economic times, millions of people desperate for a place to stay, something to eat, the world can look at times like something out of the film The Grapes of Wrath. But, for the homeowner, property crime is not the biggest reason to think about home insurance, Mother Nature also weighs heavily where financial loss is concerned. You don’t have to live in Tornado Alley to have your life blown away. There are many more pitfalls today’s property owners have to evade somehow. Can you afford NOT to understand them all?