If you have a mortgage it is probably a term of that mortgage that you keep your home insured. In most cases, if you don’t provide your own insurance the mortgagee has the right via the mortgage to ‘force place’ their own property insurance on the property and bill the mortgagor for it.
If the home is owned free and clear you have the right not to have insurance although I would not advise doing that for a multitude of reasons.
