1. 7647 POINTS
    Mark Bartlett CLCS
    Branch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance Carriers
    If you are a homeowner you need homeowners insurance. If you are a first time buyer then escrow and the lender will make sure you have homeowners insurance in place at the close of the home sale. If you are already a homeowner then I recommend you maintain a homeowners policy. If your home is paid in full you do have the option of letting the policy go but I would advise against this unless you believe you can afford the replace your home in the event of a total loss.
    Answered on September 3, 2013
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