Do I really need insurance for my home?

How much insurance do I need?

My homeowners insurance is part of the payment I make each month to the mortgage company. Who decides what insurance to get?

What exactly does the homeowners policy cover?

What kinds of perils am I protected against?

Who decides how much my property is worth?

Help! I've lost everything! Where do I start?

Is there anything I can do to lower my premiums?