Do I have to insure the contents of my house along with my homeowners insurance?

Most homeowners policies include contents coverage in the policy. There is no law, but it would be really stupid not to since it's so cheap.

Nobody but you will care if your house burns down and you no longer have clothes, furniture, TVs, radios, etc. But you might want some of those things after a fire.

There is no law that says you must purchase insurance. Contracts (like all mortgages) can require the purchase of insurance. Mortgage companies only care about getting their mortgage paid off if the house burns down; if you are homeless and shoe-less afterwards, it won't affect their bottom line.

The contents coverage on a typical homeowners insurance is $50 to $100. Most companies now allow for different contents limits (it used to be a specific % of the building value). Find one of those companies and get the lowest contents limit they offer if you want. But, be realistic on what you are insuring. Can you pay for all new stuff if you lose it in a fire. Most people cannot.

A homeowners insurance policy - the cheapest way to insure your house - is a package policy. You have to buy ALL six lines - which include dwelling, AND contents - along with liability, medical payments, other structures and loss of use.

If you want a policy without contents coverage, you can buy it - but it won't be a "homeowners" policy.

Look, people who say they don't want this line of the package, or that line, they usually say that, because they think if they drop a line, it's going to be cheaper. It won't.

You CAN buy a dwelling fire policy. If you're not living in your own house, you NEED to buy a dwelling fire policy, and then add the coverages you want, "cafeteria style". But don't be surprised if the three lines you do want, cost more than all six lines of a homeowners policy.

No, you do not have to. It only costs $100 to $200 per year to insure your contents.

There should be a rider on the policy for contents.

if in USA, doing so is a smart move.

here it is part of home owner insurances

by law.