I just wanted to thank you for your inquiry regarding the homeowner’s insurance. And just to answer your question when do you need homeowner’s insurance? Well, there’s a few different scenarios for that. One, you would need a homeowner’s policy when you’re buying a new home or perhaps a condo unit or when you already own a home and the coverage is coming due to renew or expire, okay? Or you should also have a tenant homeowner’s policy when you rent a home that you don’t own but you live there, okay? And some insurance companies will even write a homeowner’s policy on a home that you own and rent out. So a few different scenarios just depends on your situation. I hope this information helps and let me know if I can be of any further assistance, thanks so much and have a great day.