Owning a home is not a cheap commitment. In addition to the initial costs of purchasing a home, you need to pay for its upkeep, repairs, and utilities. Another major expense that homeowners face is insurance. Homeowners insurance helps people protect their investment should something disastrous happen to the property. While this protection is important to many families, and often required by mortgage lenders, it means that you’ll be paying insurance premiums for as long as you own the property.

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