Home insurance is now a necessity, not because it protects your home and possesions against damage or theft. Virtually all mortgage companies require borrowers to have insurance coverage for the full or fair value of a property and won't make a loan or finance a residential real estate transaction without proof of it. We also help you with renter's insurance that provides coverge for a policyholder's belongings, liabilities and possibly living expenses in case of a loss event. it's available to persons renting or subletting a single family home, apartment duplex, condo, studio, loft or townhouse.