Protect against the unexpected.

Home insurance is insurance that covers a home and its contents in the event of damage or theft.

Home insurance typically covers the dwelling itself, as well as any detached structures on the property, like a garage or shed. The dwelling and detached structures are covered for events like fire, wind damage, and theft. Home insurance also covers your personal belongings, like furniture and clothing, in the event of a covered event.

It depends on the value of your home and your personal belongings, as well as the amount of coverage you want. You'll also need to factor in your deductible.

There is no one definitive answer to this question as each person's situation is different. Some factors to consider include whether you own your home or rent it, whether you have significant assets or savings, and whether you are comfortable with taking on the risk of possible damages or repairs yourself. Ultimately, it is up to each individual to decide whether they feel they need home insurance.

The benefits of home insurance are that it can protect your home and belongings from damage or loss, and can provide financial assistance if you need to make repairs or replacements. It can also give you peace of mind in knowing that you are covered in the event of an emergency.