When it comes to homeowners insurance or any insurance for that matter you have to do your research and you need to find one that will meet all of your needs. And it is very important to have this type of insurance in place because you never know when you may need it. And if you have a family you need to be prepared for anything. My sister actually almost went with a company that was going to charge her 25% more than the one I told her to check out before she sined anything!