Why Do I Have To Have Homeowners Insurance? 
Technically you do not have to have homeowners insurance . It is not required at this time by law in any of the states in the United States to the best of my knowledge . Your mortgage lender will typically require homeowners insurance coverage to protect themselves against loss in the event of a covered loss . There are way to many reasons to list here as to why you should have coverage . Please contact a local agent to discuss your coverage needs and concerns . 