Buying a house is a big step in life. It is the place you will call home, a place that will be full of memories and joyful moments and that is why you need to protect it.

Let's take a look at some factors that might influence the answer to that question.
Do you have a mortgage?
If the answer to that is yes, it is more than likely your lender will require a home owner's policy.
If you don't have a mortgage you still might want to look into a good insurance policy to keep your investment safe.

Your Mortgage company may require it. But even if that's not the case you might want to evaluate how likely it is for your area to have this kind of issues. after all you don't want to take any risks.

This is actually very easy. First you will need a fully paid home owners insurance policy, we will then provide proof of insurance to the mortgage. If your payments are on escrow, You still need to pay full for the first year before closing and escrow will payments kick in next year.

Absolutely. This is a life saver, you don't want to risk you lifestyle and besides it just makes your life easier and less expensive. This is a win win situation.

Imagine you go out of town and your dog decides to have a party, You then come home to find you 40,000 dollar vase is broken. It's very possible that your home owner's policy doesn't cover that so be sure to ask.