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BUYER TIP #5
You Need to Have Insurance!
I've sold a little bit of real estate in these few years and one of the most consistent questions I've gotten is:  "Do I need to get insurance?".  The answer is Yes.
If you are financing your purchase with a mortgage, the bank or mortgage company will require it.  But that's only part of the reason.  Look at it this way; if you had to borrow money to buy your house, chances are you don't have thousands or hundreds of thousands of dollars lying around in the event the house is totally destroyed.  You may not have a place to live but the debt will still be there.  You can't pay; the insurance company will.
I have a friend whose home caught fire.  The insurance company put his family up for six months while the burnt out home was being rebuilt.  We all complain about paying premiums for "what may happen" but I know he was thankful that his coverage was in place.
As with all products and services on the market, you need to shop around to find the best match for price and coverage. 
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