Clear answers about home insurance, coverage explained in plain English
Honest, jargon-free guides to homeowners insurance coverage, costs, claims, and how to get the best protection for your home.
Coverage Basics
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Guaranteed Replacement Cost Coverage: What Your Home Insurance Really Covers
Most homeowners assume their insurance will rebuild their house after a total loss. That assumption is wrong often enough that I spent a decade watching it shatter people at the …
HO-1 Homeowners Insurance: 16 Key Coverage Limits Explained
Home Insurance Riders Guide: Coverage You Actually Need
Replacement Cost Value: Why 72% of Claims Get Denied
See the average home insurance cost in your state before you shop.
trending
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Home Insurance Premiums Are Finally Dropping for Some Homeowners
Something genuinely surprising is happening in the home insurance market right now, and if you’ve spent the last three years grimacing at your renewal notice, you might want …
Home Insurance Enters a Fragmented Phase: What It Means for Your Renewal
Home Insurance Premiums Are Finally Cooling. Should You Shop Now?
Your Home Insurance Bill Is Now a Ballot Issue This November
Claims
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Additional Living Expenses Coverage: What 30% Actually Covers
Forty-three percent of homeowners who file a major claim have no idea what additional living expenses (ALE) coverage actually pays for until they’re standing in a hotel lobby …
Ice Dam Coverage: What $1,200 in Damage Really Costs
Homeowners Insurance Total Loss: What You Need to Know
Home Insurance Claim Denied? Here Are Your Next Steps
See how raising or lowering your deductible changes your premium.
Shopping Tips
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Insurance Agent vs Broker: Who Should Handle Your Coverage
Most people assume the person selling them home insurance is working for them. That assumption has cost more homeowners than I can count. I spent 14 years on the claims side of …
40% Smart Home Insurance Discounts: What You Need
Home Insurance Discounts: 7 Ways to Lower Your Premium
Your Insurance Binder: Protection While You Shop
Property Types
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44% of Airbnb Hosts Lack Proper Insurance Coverage
Roughly 44% of Airbnb hosts in the United States have no idea their standard homeowner’s policy won’t cover a guest injury. I know this because I spent 14 years on the …
Condo Walls-In Coverage: What's Actually Covered
30 Days Without Occupancy: What Unoccupied Home Insurance Costs
Mobile Home Insurance Guide: Coverage Types Explained
Compare top home insurers on price, coverage, and claims service.
Cost Factors
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LEED Certified Homes: 32% Insurance Discount Explained
Most homeowners I talked to during my adjuster years assumed “green” meant “untested,” and that insurers would penalize them for it. The reality is almost …
40% Roof Discount: How New Roofs Lower Insurance Premiums
Fortified Home Program Insurance: What You Need to Know
Why Your Home Insurance Premium Went Up This Year
Special Coverage
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FAIR Plan Insurance: Your Last Resort Home Coverage Option
Most homeowners have never heard of a FAIR plan until the moment they desperately need one. By then, it’s usually too late to understand what they’re actually getting. …
Wildfire Risk: How To Protect Your Home Insurance
Does Your Homeowners Policy Cover Hurricane Damage?
Does Your Homeowners Policy Cover Sewer Backup?
Estimate what it would cost to fully rebuild your home today.
coverage
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Actual Cash Value vs Replacement Cost: Which Covers More
Most people find out what their policy actually covers at the worst possible moment: standing in a gutted kitchen, smoke smell still in the walls, waiting on a claims adjuster …
Why Loss of Use Coverage Matters for Homeowners
Why Your Home's Replacement Cost Matters More Than You Think
When Your Roof Leaks: What Home Insurance Covers
Personal Property
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Why Your Valuables Need Scheduled Personal Property Coverage
Most people find out they needed scheduled personal property coverage the same way they find out about every insurance gap: after it’s too late. I’ll be honest, when I …
Your Bike Might Not Be Covered: What Home Insurance Includes
Protecting Your Art Collection: What Home Insurance Covers
Your Jewelry Is Underinsured: What Home Insurance Really Covers
Find out how much dwelling and liability coverage you actually need.
Does Insurance Cover
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Does Home Insurance Cover a Fallen Tree?
A tree just came down in your yard. Maybe you heard the crack at 2 a.m. during a storm, or you walked outside one morning and found a pine tree draped across your roof like it …
Does Home Insurance Cover Theft? What's Actually Protected
Foundation Repair Costs: What Home Insurance Actually Covers
Does Home Insurance Cover a Burst Pipe? What to Know
Liability
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Dog Breeds and Home Insurance: Which Costs More to Insure
Most people shopping for homeowner’s insurance don’t think twice about listing their dog on the application. Big mistake. I spent 14 years reviewing claims at a …
Trampoline Insurance Exclusions: What Your Policy Won't Cover
When Your Neighbor's Damage Becomes Your Problem
Pool Liability Coverage: What Homeowners Need To Know
Home Insurance Basics
Home Replacement Cost Calculator: How Much Dwelling Coverage Do You Need?
One of the most common — and costly — mistakes homeowners make is insuring their home for its market value instead of its replacement cost. These two numbers can differ by tens of …
Home Insurance Deductible Calculator: Find Your Break-Even Point
Home Insurance Coverage Calculator: How Much Coverage Do You Really Need?
Life Events
Who Needs to Update Their Home Insurance After Divorce
Most people going through divorce are focused on the house itself. Who keeps it. Who buys out who. What the mortgage looks like going forward. What almost nobody thinks about until …
Update Your Homeowners Insurance After Getting Married
Why Your Homeowners Policy Needs Updating After Refinancing
policies
Pick Your Home Insurance Deductible Without Overpaying
Most homeowners pick their deductible the way they’d pick a seat on an airplane: grab something in the middle, stop thinking about it, move on. Then a storm tears off part of …
First-Time Homebuyer's Guide to Essential Coverage
Home Warranty vs. Home Insurance: Which Do You Need?
State Guides
California Home Insurance: What Actually Covers Your House
You just got a non-renewal notice in the mail. Your insurer, the one you’ve had for eleven years, is dropping you. Not because you filed too many claims. Not because you …
Texas Home Insurance: What You Really Need To Know
Florida Home Insurance: What Coverage You Actually Need
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