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	<title>New answer on: When Do I Need To Get Homeowners Insurance?</title>

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		<title>By: David Pipes</title>

		<link>http://insurancelibrary.com/home-insurance/when-do-i-need-to-get-homeowners-insurance</link>

		<dc:creator>David Pipes</dc:creator>

		<pubDate>Mon, 04 Aug 2014 17:53:31 +0000</pubDate>

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		<description><![CDATA[The first person that will ask you for a homeowner’s policy is the title officer when you close escrow on your home.  The policy is required by the mortgage company to protect their interests in the property.  However, even if you don’t get that call, you can be sure that insurance is being placed on the property.  If you are not using a lender then purchasing a homeowner’s policy is just good judgment and should be implemented as soon as you have a residence. ]]></description>

		

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		<title>By: David Pipes</title>

		<link>http://insurancelibrary.com/home-insurance/when-do-i-need-to-get-homeowners-insurance</link>

		<dc:creator>David Pipes</dc:creator>

		<pubDate>Tue, 10 Jun 2014 19:43:56 +0000</pubDate>

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		<description><![CDATA[A homeowner’s policy is a routine requirement of a lender.  You need to have a homeowner’s policy to satisfy the mortgage company.  If you do not have a mortgage, the decision to purchase a homeowner’s policy seems less restrictive.  However, the presence of risk is the reason for a homeowner’s policy.  To start with you have a risk that someone can be hurt on your property and sue you.  You run the risk that your house will burn to the ground, making smoke of the building and all your worldly possessions.  Few people can tolerate such an extreme risk.  Homeowner’s insurance assumes that risk in exchange for a small premium. ]]></description>

		

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