YES! Biggest risk you now have is someone suing you and taking your home! In New York, an judgement coming out of a lawsuit, automatically attaches to real property - your home. So you could never sell or refinance your property until that judgement is paid off. Who wants to encumber a paid off house with a judgement?
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None. Insurance is for sudden & accidental losses - a tree falls on your shed. A pipe bursts in your upstairs bathroom causing loss below. Ice build up causes you facia and soffit along with gutter to come crashing down. Homeowner repairs = None. Maintenance repairs are the part of being a homeowner and not an insurance claim. To upgrade your electric service is on you. To repair a frayed electrical service is one you. Insurance is for sudden and accidental occurrences.
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