Question : Is it required by law to buy home owner insurance?
I live in Houston, in an individual own apartment complex(s). We have multi – owners for different units, meaning different owners for units. The main office in this area says everyone in these apartment has to pay for homeowner insurance. By law does can they make us buy insurance for my share of units? or is it mandatory to have home owners insurance? I am wondering because they are threating to throw me out of my own home if I do not buy home owner insurance for the three units that I own. Please help me show proof that I don’t have to buy home owner insurance so that I can fight this. I know I am right, and I am not required by law to buy home owner insurance if I do not want to.
I am owner of this three units. The first owner of these apartment complex can’t afford to keep up with the place so he sold off units to different owners. I do not have loans or mortgages on these units. My contracts when sold to me says nothing about insurance. I am not renting the place.
home owner insurance houston

Best answer:

Answer by Caveat Emptor
It is required by your mortgage lender – if you have one.

It can also be required by your condo association or HOA. That’s not a matter of “public law” but it is a contractual obligation that you agreed to when you bought your unit. If you fail to uphold the requirements under your condo agreement, then “they” can indeed take action against you. If you had a single family residence, that would be different.

It’s not a matter of your purchase contracts. It’s a matter of the HOA rules that are incorporated into your deeds by reference. There MUST be a homeowners/condo owners association and bylaws. What do they say?? Perhaps you should have a lawyer review them.