Jeannine is protecting herself against property risk. This type of risk applies to events that directly affect the individual's property in any way and could not have been avoided/prevented. This includes fires, floods, weather, and natural disasters, terrorist attacks, etc. If such an event occurs and damages your property, an insurance policy that covers property risk would cover your damages up to the value stated in the policy. However, this does not cover damages caused by mistakes made on your behalf such as damages when remodeling or parties thrown, etc.
