Why did Jurgis inquire about insurance for the house

The deed to Jurgis' home required that he have continuous insurance coverage, as well as pay all of the required taxes. Jurgis was forced to inquire about insurance because without it he could lose their home.

And then again, when they went to pay their January’s installment on the house, the agent terrified them by asking them if they had had the insurance attended to yet. In answer to their inquiry he showed them a clause in the deed which provided that they were to keep the house insured for one thousand dollars, as soon as the present policy ran out, which would happen in a few days. Poor Elzbieta, upon whom again fell the blow, demanded how much it would cost them. Seven dollars, the man said; and that night came Jurgis, grim and determined, requesting that the agent would be good enough to inform him, once for all, as to all the expenses they were liable for. The deed was signed now, he said, with sarcasm proper to the new way of life he had learned—the deed was signed, and so the agent had no longer anything to gain by keeping quiet. And Jurgis looked the fellow squarely in the eye, and so the fellow wasted no time in conventional protests, but read him the deed. They would have to renew the insurance every year; they would have to pay the taxes, about ten dollars a year; they would have to pay the water tax, about six dollars a year—(Jurgis silently resolved to shut off the hydrant).