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	<title>Answers for InsuranceLibrary.comCasey Nguyen - Owner/Agent - Casey Nguyen Insurance Agency, Inc.</title>
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		<title>Answer on Is Home Insurance Mandatory In California? by Casey Nguyen</title>
		<link>https://www.insurancelibrary.com/home-insurance/is-home-insurance-mandatory-in-california#answer_16106</link>
		<dc:creator>Casey Nguyen</dc:creator>
		<pubDate>Thu, 06 Mar 2014 20:46:53 +0000</pubDate>
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		<description><![CDATA[If you have a mortgage on your home, usually the lender/mortgagee will require you to have home insurance.  Otherwise, it is your choice to whether have it if your house is completely paid off.  If you decide not to get insurance, then you will self-insure your house in case anything happens to it.  Personally, I don&#039;t think it is a smart thing to do even if you can afford to pay fixing the damages and/or even rebuilding your house in case of fire.  That&#039;s why you want to transfer the responsibilty to insurance companies who have much bigger pocket to pay for that.]]></description>
		<content:encoded><![CDATA[If you have a mortgage on your home, usually the lender/mortgagee will require you to have home insurance.  Otherwise, it is your choice to whether have it if your house is completely paid off.  If you decide not to get insurance, then you will self-insure your house in case anything happens to it.  Personally, I don't think it is a smart thing to do even if you can afford to pay fixing the damages and/or even rebuilding your house in case of fire.  That's why you want to transfer the responsibilty to insurance companies who have much bigger pocket to pay for that.]]></content:encoded>
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		<title>Answer on How Much Is Full Coverage Auto Insurance In California? by Casey Nguyen</title>
		<link>https://www.insurancelibrary.com/auto-insurance/how-much-is-full-coverage-auto-insurance-in-california#answer_16105</link>
		<dc:creator>Casey Nguyen</dc:creator>
		<pubDate>Thu, 06 Mar 2014 20:38:39 +0000</pubDate>
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		<description><![CDATA[I agreed with all the answers above.  &quot;Full coverage&quot; is a very vague term.  It depends on individuals and what they need to protect.  The same &quot;full coverage&quot; for me might not be enough to cover you and vice versa if we have different assets to protect.  The best way is to speak to an agent so that s/he can help you what you need to protect and suggest the appropriate coverage level that will meet your needs as well as your budget.]]></description>
		<content:encoded><![CDATA[I agreed with all the answers above.  "Full coverage" is a very vague term.  It depends on individuals and what they need to protect.  The same "full coverage" for me might not be enough to cover you and vice versa if we have different assets to protect.  The best way is to speak to an agent so that s/he can help you what you need to protect and suggest the appropriate coverage level that will meet your needs as well as your budget.]]></content:encoded>
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