it's only required if you have a mortgage and a stipulation made by the lender
I would have been way ahead of the game if I had self-insured during the 27 years we've owned either a second or primary home in Florida
it all depends on the level of risk you are willing to take...
IMHO, regardless of where you live, the cost of living pretty much levels out to be close to the same amount, all things considered
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