1. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    Most homeowner’s need a homeowner’s policy all the time.  A mortgagee will probably require that you carry a homeowner’s policy to protect the lender’s interest.  The next significant time you will need a homeowner’s policy is when you are sued or there is damage to your home and its contents.  Because these losses are not frequent, the premium for this coverage is relatively inexpensive.  The cost for not having the coverage can be devastating.
    Answered on March 13, 2014
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