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Although state law does not require you to purchase homeowners insurance, your mortgage lender does require you to have a policy in place for the duration of the loan. If you own your home outright, nothing prevents you from going insurance-free, but you run the risk of being held liable for damages to your property or to others. This liability could wipe you out completely and cause you to file bankruptcy-a risk clearly not worth taking.Shopping for Home Insurance
If the cost of homeowners insurance is getting too expensive, you do have options. Simply go online and shop for free quotes (which you can do here by entering your zip code in the box above). By comparing quotes, you could potentially save 50% on your annual premiums.What Does a Homeowners Insurance Policy Cover?
A homeowners insurance policy typically covers the following:- Damage to real property (i.e., your home's structure).
- Damage to personal property (i.e., the contents within the walls of your home).
- Additional cost of alternate living arrangements (i.e., alternate living arrangements including hotel and food for a specified period of time, during which your home is deemed uninhabitable).
- Personal liability lawsuits (i.e., protection against non-auto and non-business lawsuits).
- Medical payments (i.e., coverage for medical expenses for those who are injured in a non-auto accident on your property, regardless of fault).