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It may be difficult to find out if someone has homeowner's insurance on their property. It's personal information that is not available to you.
However, if there is an existing mortgage on a property, there is a very good chance that their is current homeowner's insurance in effect since the loan company would certainly require it.
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However, if there is an existing mortgage on a property, there is a very good chance that their is current homeowner's insurance in effect since the loan company would certainly require it.