A: Home insurance isn't required by law, but there are other reasons to insure your home. If you have a mortgage on it, your lender will require you to have insurance until the loan is paid off. In fact, lenders can legally force borrowers to carry insurance to cover the amount of the mortgage.
Do you have to have homeowners insurance in Florida?
Florida doesn't require homeowners insurance by law, but if you finance your home, your lender may require you to have a homeowners insurance policy in place. Your policy's coverages are designed to safeguard your property and assets.
Is home insurance mandatory in Georgia?
Homeowners insurance in Georgia is not required by law, unlike Georgia auto insurance. However, if you finance your home in GA, your lender may require some type of homeowners insurance coverage. The majority of Georgia homeowners insurance policies from The Hartford come with a wide array of coverages.