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Depending on the home loan, you may be required to have insurance. If you buy your house out right, there is nothing requiring you to have insurance.
Unlike driving a car, you can legally own a home without homeowners insurance. However, if you finance your home with a mortgage, your lender most likely will require you to have home insurance coverage to protect your home and the lenders investment in case of damage caused by unforeseen circumstances, such as fires or natural disasters.
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