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Some people decide to “self-insure” and not buy home insurance. Some people forget to pay or purchase fire insurance. Regardless of the reason, if you don’t have home insurance aka fire insurance, your property doesn’t have any protection. If damaged by fire, wildfire, hail, windstorm or vandalism, you are financially responsible for the damage. If you have water damage (the #1 reason for all home insurance claims), a tree falls on your roof, your personal property is stolen or damaged in a fire and/or if someone gets hurt on your property, you aren’t covered. Lenders especially don’t like when borrowers don’t have home insurance. Your lender will buy home insurance for you. This is known as force placed home insurance and it is usually costly and offers sub par coverage.