Is It Illegal The Law To Not Have Homeowners Insurance? 
No . It 's not illegal to be without homeowners insurance . However , if you have a mortgage on your house , your lender will require that you carry adequate insurance on your house . Furthermore , the lender will require that they be listed on the insurance policy . If you do not comply , they will purchase home owners insurance for you and charge you for it . It 's more expensive that way . 