How does home insurance works...?

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homeowners insurance mandatory extent mortgage lender consider mandatory requirement of loan. if have no mortgage not mandatory. however, unless fabulously wealthy , afford total loss of home , absorb potential personal liability idea purchase insurance.

careless mistakes covered homeowners insurance policy. agent can paid many claims due negligence on part of property owner. (i.e. left water running, unattended candles, combustibles near wood burning stoves, pot left on range burner, smoking ....)

when 100% answer yes , no depending upon mean.

homeowners policy cover can happen home answer no. no policy covers every thing. one, flood damage not covered. earthquake not covered. (though can coverage fr both)

policy cover home 100% if home burns ground. answer yes if , agent diligent in determining replacement value of home , insuring full amount.

hi
if own home in us,is home insurance mandatory me take?
also, if house gets fire, because of careless mistake leaving gas on...will insurance company still cover it...
home insurance covers 100%


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