States don’t always require homeowner’s insurance, but almost all mortgage lenders and banks do require a policy. Even if you buy the house outright, it’s still a good idea to get a policy so that you don’t wind up losing a major investment in an accident. If it’s a vacation home or small cabin that you were able to purchase outright, talk with us so that we can adjust the coverages and cost to what fits your situation (don’t pay the cost of an all-year home for a two-weeks-a-year cabin!).