Buying a home is a serious investment. Not only is it the biggest purchase most people will ever make, but it’s often their largest source of debt. Hazard insurance, which pays for property loss and damages in the event of disaster, is required by lenders to protect their loan’s collateral: your home.

Once upon a time, a young woman named Goldilocks wanted to refinance her mortgage. She visited a website she saw advertised on TV and filled out a form for a rate quote. Some she received were too big. Others were too small. One was just right, so she allowed the website to pass her information along to the lender who offered it.