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When buying a house, there are many costs that accompany home ownership. Especially if you are a first time home buyer, these multiple costs can add up quickly. You may be trying to figure out which items are absolutely necessary and what can wait till a later date. One of these items may be, "Do I really need homeowner's Insurance?" Simply put, YES. Click the link to read why homeowner's insurance is so important and what kind of insurance you would want to get.