If you are wanting to insure just the amount you we on a finance or mortgage note, That would be called mortgage insurance, not homeowners insurance.
No. there is no such thing as a retroactive homeowners insurance policy.
No homeowner policy will cover a vehicle that was stolen. Insurance varies from state to state but generally you can buy comprehensive protection only which will cover theft.
It depends on many factors: your age, sex, occupation and health among others, and the amount of insurance that you want to buy.
Your insurance agent will advise you of the bare minimum insurance you absolutely need, but you can be sure "liability" will be part of it, yes.
You can buy any amount of life insurance that you want (and that you can afford). Policies can be as small as $500 or as large as many millions of dollars.
Decide how much you want to spend and buy that amount of insurance to cover it. www.funeralsohio.org/cfmyths.htm can help you find something.
No. Personal belongings are covered by your renter's and homeowner's insurance.
Homeowners insurance covers the house itself should it be damaged. Many of the policies include liability insurance so that if anyone is injured there you have protection. There are some types of mortgage insurance that cover the remaining mortgage should the owner die. But, if the lender does not require it due to a low down payment, one would have to specifically buy that.
Well, Not really, When you buy a renters insurance policy you have to declare that you are a renter. If you have a loss and the insurance company discovers you lied, They will not be required to pay for any claims due to a fraudulent statement on your application.
Just buy a new policy. You may lose your continuous coverage discount but you should have no problem finding coverage.
No, they can't force you to buy it from your job. You can buy your health insurance wherever you want too. That's between you and the insurance company you choose to purchase coverage from.
You DON'T need to buy pet insurance if you get a pet bunny, You can if you want to though.