在美国购买房产一定要买房屋保险 Homeonwer Insurance吗？
不一定，这个取决于你购买房屋是否使用贷款。如果贷款购房，那么银行通常会强制要求购买房屋保险。如果全款买房，您不一定必须购买房屋保险。但是购买房屋保险可以有效的降低您的财产风险。
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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