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Message: <blockquote data-quote="71buickfreak" data-source="post: 1879446" data-attributes="member: 8373">Yes, you are required to have insurance for a house with a mortgage. If you drop your insurance (or it gets dropped by them), then the bank will take out insurance for you at a ridiculous cost. If the home is paid for, then no, you don't, it's not a car. Most people don't even know there is such a thing as renter's insurance, most people are dumber than a bag of hammers. I have to say you guys are paying WAY too much for your insurance. I pay $1100 a year with a $1k deductible and 300K in personal property through Oklahoma Farm Bureau. You don't have own a farm, I sure don't. Cheapest insurance in the state and they pay quickly without a bunch if hassle. I had a lightning strike last year, they replaced over $10000 worth of electronics within a couple of weeks.</blockquote>