Do I Need Insurance to Own A Home?

happy couple showing keys to new home

Unlike your automobile, you’re not required to have insurance in order to own a home. Still, it’s more than a dwelling, it’s your home, and it’s the one place where you and your family should feel the safest. Part of that safety is knowing that your home and belongings are protected in the event of severe weather, a natural disaster, burglary, or other unfortunate event. With a highly-skilled and knowledgeable team of homeowner’s insurance agents, Jeff and the Jeff Van Matre Insurance Agency will help you build a personalized policy that will provide you will all of the necessary protection, without any unnecessary expenses.

What Do I Need Protection From?

The fact that auto insurance is a requirement isn’t the only thing that sets it apart from your home insurance, but their purposes are largely the same; to protect you, your family, your interests, and your resources from being consumed by loss. For instance, you typically wouldn’t need collision coverage for your home, but as a physical structure, it can still sustain damage that would be costly to repair. The belongings in your home, if damaged or destroyed, could also be expensive, if not impossible, to replace. Like a rental car, you might need a “loaner” home if your house needs extensive repairs, which can also be covered by a comprehensive homeowner’s insurance policy.

How Much Protection Do I Need?

As unique as your home and family, the exact details of your homeowner’s insurance plan will be tailored to your specific needs, including financial limitations, and will be influenced by a number of factors. Where your home is located, how up-to-date the plumbing and fixtures are, and whether or not you have a security alarm, fire detectors, fire extinguishers, and other safety features can all factor into your overall coverage.


With over 20 years of experience in the insurance industry, Jeff Van Matre Insurance Agency can help you choose the right coverage plan to protect your personal and business assets and put your mind at ease. To learn more, visit us online or call our office today at 972-492-8500.