Your homeowners insurance is more than just paperwork — it’s the financial protection for your biggest asset. While homeowners who own their property outright aren’t required to carry insurance, those with a mortgage must have it, as lenders require coverage. Which is why Debbie, 46, was shocked when she received an unexpected email from her homeowners insurance company telling her that her policy had been cancelled. Confused, she tried logging into her account, only to discover that her username and pa ...