Anyone buy home insurance and share why you choose that?

Home insurance is important as it covers content loss and damages, as well as personal liability in times of fire disaster, etc

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Home contents Insurance or Mortgage Insurance?

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One covers damages and 3rd party liability, like fires, water damage, etc.

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Mortgage insurance pays for the remainder of the loan when the payer of the loan passes away.

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Both is important in my opinion because damages can be quite expensive, and your home mortgage is a liability than you can transfer the risk to an insurer.