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Why do you need homeowners insurance coverage? For one thing, you possibly can't buy a house without it. Most mortgage holders require you to have it. But honestly? Why wouldn't you want home insurance? Your home is one of your biggest investments. Makes sense to protect it, does not it? Auto accidents can happen - even to the highest drivers. Insurance can assist cover repairs to your vehicle and medical costs. Insurance is your firewall against economic disaster should you cause an accident and there is property.