my former agent admitted it was worthless as insurance and explained that i was buying it because my lender required me to do so. she could not explain why she did not tell me this when i bought the insurance.

If you want to buy a home, you MUST have homeowners insurance. It's that simple. No, it's not a scam per se. You just have to choose the right company.

DO NOT do business with The Hartford. They're the WORST!

A few good ones are:

Nationwide
USAA
Amica