Homeowner’s insurance (not to be confused with a home warranty) pays for losses and damage to your property if something bad happens, such as a fire or burglary. So while homeowner’s insurance protects your property from unforseen events. Private mortgage insurance is different—it protects the lender if you stop making payments on your loan. Standard homeowner’s insurance doesn’t cover damage from earthquakes or floods, but can normally be added for additional charges. These charges can be considerable if you live in a high risk area.
When you have a mortgage, your lender wants to make sure your property is protected by insurance (to protect themselves from loss). That’s why you’re generally required to have homeowner’s insurance, and prove to your lender that you have it. If you don’t have insurance, your lender is allowed to actually buy it for you and charge you for it (with advanced notice).
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