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  • Writer's pictureCooke Insurance

Why You Need to Buy Home Insurance

Most homeowners would purchase home insurance because their mortgage lenders require it. However, if it was not obligated, would you invest in one?

Home insurance is a need, especially since we cannot see what will happen in the future. Even if a mortgage lender does not obligate you, you should invest in one. Please note that not having one is a considerable risk.

You might still be dubious of the need to invest in one. If you are, you should stay tuned to this article. Here are some of the reasons that should compel you to purchase this coverage:

Financial Protection Inside and Out

One of the primary advantages of having home insurance is to protect your home and belongings if you need it. This insurance covers losses caused by unfortunate circumstances such as fire, vandalism, theft, or other events.

What are the losses that can be covered? Damages to your home's interior or exterior cover the repair costs or, in some cases, the replacement costs of your home. It can be caused by fire, vandalism, theft, and many others.

Coverage for Personal Valuables

Home insurance also provides coverage for your personal belongings. Some policies also cover your accidents.

If you have valuable jewelry, this coverage is a must. It is also necessary if you own a collection of prized art. You can add extra insurance to make sure your high valued possessions are properly insured.

This coverage is worth investing in. It can provide you peace of mind and, in case of unfortunate incidents, it can help you compensate for the losses.

Includes Personal Liability

Homeowner policies provide you with personal liability protection and can help protect your children, family, and property. This protection is good because it can also cover your legal expenses if you are found negligent in something you do.


Homeowners' insurance is a must for every homeowner, especially when you are unsure what will happen in the future. If you want to protect yourself, your belongings, and your home, you should buy a policy before anything terrible happens.

If you are ready to invest in home insurance, you should contact Cooke Insurance. We are your partner in providing protection for your family. Call us now for a quote!

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