Home Insurance a Must

My parents' house back in the Philippines don't have a home insurance. They have that house ever since I can remember and they don't get insurance for it. I am thinking recently that it should be best for them to get one in case something happen. Most of the houses in our area back there don't have insurances and only few I know who have one, the rich people and those living in new subdivisions. But here in the US I know it is a must for family's to insure their properties. Even us living in an apartment we have a renter's insurance. This is really a great help when something happen. We just renewed our insurance earlier this month along with our auto insurance. I have a friend that just got their new home in October and I told her she can get home insurance quote online to make her aware of the different rates insurance companies have. A quote is very helpful in order for home owners to compare premiums from different providers. I hope I was able to give her some insight coz I know shopping for insurance can be a tedious one.