1. 14231 POINTS
    Tom Sheehan
    Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
    No, the State of CT does not make it mandatory to have Homeowners' Insurance, but if you have a Mortgage, then your lender does.  When you are buying a home or otherwise obtaining a mortgage or home equity on a home, your lender, among other things will ask you to provide a copy of a binder or amended Homeowners Declaration Sheet showing them listed as an interested party on your property.  They do this to protect their own interest, which makes perfect sense.
    However, if you have property, mortgage or not, this can be one of the most important investments you will make in your lifetime.  Frankly, mandatrory or not, you owe it to yourself to protect your own interest and your family's home.
    Answered on August 15, 2013
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