General Property Insurance Questions Helping 20 Million Americans a Year for 20 Years. FREE! How Can We Help You? FREE Insurance Comparison Compare quotes from the top insurance companies and save! Select Insurance Type » Auto Health Home Life Business Articles - FAQs How Do Insurance Companies Handle Natural Disasters? Arbitration If I do not own property, but only rent a house or apartment, do I still have a need for insurance? If I own a house, am I required to buy homeowner's insurance?