something isn't adding up here. If they have a loan, homeowner's insurance *is required* so either they didn't pay it or don't understand how insurance works?

- if it's 300K house you want 80% coverage and unless their credit is shit, should be like $1,500-2K for the year with a 1k or $1,500 deductible. Others have pointed out what happens if a tree falls on your roof? 25K out of pocket? doesn't add up here...