Quote:
Originally Posted by rmd2
Is homeowners insurance generally for only roofs? I have a fairly new roof with a very good warranty. Do I need homeowners insurance for any other reasons.
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Just because you have a new roof, doesn't mean you are safe from windstorms (as spinner indicated ).
Besides windstorms (by hurricanes, tornados, etc.) homeowners' insurance also typically covers : fire, smoke, explosions, liability, lightning, hail , theft, floods, sink holes, vandalism, damage from vehicles, damage from aircraft, riots, civil commotion, and volcanic eruption.
You can get insurance for all those other things besides wind very reasonably. Just tell your agent that you want to self-insure wind damage.