What's The Average Cost Of Homeowners Insurance? 
That varies considerably . However , the cost of not having a homeowners policy is easier . If you dont have a homeowners policy , your mortgage company can buy one for you . If you dont have a policy and someone sues you because they hurt themselves on your property , you get to pay all the legal costs and perhaps the full amount of a judgment . If you house burns down and you dont have a policy you will only have memories , and perhaps and on-going mortgage . The price of a homeowners policy has many variables and you should discuss it with an agent that you trust . 