房屋保险通常是贷款银行强制要求购买的。如果你全款购买房产，也可以选择不买房屋保险。但是购买房屋保险可以大大降低您房屋的财产风险。
The information in this answer is general in nature and is not legal or insurance advice for your specific situation. Policy language varies carrier by carrier; your declarations page is the final word. If you're unsure, call your agent before you need to file.
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