Most real estate experts recommend that individuals purchase a home Insurance Policy before or promptly after buying a home. For many homeowners, a home insurance policy is a requirement rather than a choice because they took out a mortgage loan to finance their home. Whatever the case may be, it is important for homeowners in Fishkill, New York to know the specifics of their homeowners insurance policy. If all homeowners took the time to learn the specifics of their insurance policy thoroughly, they would be in for a huge shock.