You are probably referring to an HO-3
home owners always need to pay their water policy.
Yes, However most Insurers will only offer a limited Form HOA coverage, AKA HO1 Home Policy form. The Insurer will likely not offer Replacement costs on a Home Owners Broad Form HOB / HO2 to the home owner when local or federal statute prohibits rebuilding on the property.
No, you can't combine home and auto loans
It depends on your insurance policy
That would depend on the wording of your policy.
My home owners policy only covers bank fraud ( if someone steals a check for example) and the limit of liability from my insurance company is $1000...other policy's may be different. Please call your agent.
If it is your home, just look at your insurance policy. It will always tell you the name of your insurance company.
I have my contents covered on my home owners policy.
No. It covered under a motorcycle policy.
Sure, If you don't need it anymore no since paying for it.
One can store a home owners insurance policy in a safe place like a drawer with lock and key which is not visible around the house. One can also store it in a safe compilation for easy reference.