06-17-2023, 01:12 PM
We have homeowner's insurance. It's bundled in with our car insurance so I don't know how much it would or could be if we got both separately. We were told we don't "need" this type of insurance. But if something were to happen, it'd be nice to have. However, it has to be a major incident to make it worth your while. We know of some friends who had their garage door damaged & was going to go through with a claim. Since they had a high deductible like us, it wasn't worth it. PLUS the insurance would increase just because you made that claim. So, that's something to watch out for.