Is it illegal not to have home owners insurance on your house?

It's not illegal in that it does not violate the law. However, the contract documents that you signed in order to get your mortgage likely require you to maintain such insurance and to have it as a "loss payee" on the policy.

If you do not maintain homeowner's insurance as required, the lender has the right to obtain "forced-placed" coverage to protect its interest in the property. It is limited in scope, far more costly than traditional homeowners insurance, and will be billed to your mortgage balance.no one will come and arrest you but if you have a mortgage and your insurance