Home owner insurance policies are one type of insurance that most people don't have to have, unless they bought their home with the help of a lender. When this happens, the lender usually requires the homeowner to buy homeowner's insurance until the lender has been paid in full.
But there are many important reasons to get a quote for a home owner insurance policy besides the fact that you have to have one.
Keep your house safe. With a quote for a homeowner's insurance policy, you've taken the first step toward protecting your home from damage caused by fire, water, theft, and vandalism.
Protect your valuables. With home owner insurance, you can protect more than just your home. Think about the old diamond ring that used to belong to your grandmother, your husband's expensive gun collection, which he has been building up since he was young, or the DVDs you and your husband have been buying together since you got married. These things are valuable and can be worth a lot of money. By getting a quote for a homeowner's insurance policy, you'll be well on your way to protecting your valuables and other important things.
Make sure you have enough money. If someone gets hurt on your property, even if it doesn't seem like it was your fault and even if you didn't know the thing that hurt the person was dangerous, you could be in for a bad legal situation. If your dog bites your mailman or your neighbour falls off one of your loose porch steps, you are responsible for the damage. If you don't have homeowner's insurance, you'll have to pay for these damages yourself, and they're usually very, very expensive.
