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homeowners insurance as well. But there are ways to save money on the latter.  Most mortgage lenders require you to have homeowners insurance policies for as long as your mortgage term lasts. Even if you don’t have a mortgage, it’s still a good idea to protect the equity you’ve built in your home with insurance, experts say. “Homeowners insurance covers your house, your belongings, and typically additional expenses for temporary housing if your house is damaged,” says Ken Gregg, CEO of Orion180, an insurance provider that specializes in homeowner insurance in the Southeast. “You want an insurance company that offers appropriate coverage limits to fit your needs and has the financial means to pay out claims.”

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