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Feel like you are up to your ears in insurance payments of all sorts? You could be moral. Since homeowner insurance is not required by law, some people who dont have mortgages roll the dice, betting that theyll never need it. Like the couple that poured their life savings into building their dream home on a wooded hillside. After all that expense, they felt tapped out and place off buying homeowner insurance. But soon after they moved in, a fire swept through the mountains reducing their house to rubble and their wooded hillside to ash.
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source
Buying Guide for Homeowner Insurance
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