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Cost Factors
Browse 8 in-depth Cost Factors guides from Home Insurance Clear. Our editorial team researches and writes each one to give you clear, practical answers, current as of July 2026. The newest are shown first.
Fortified Home Program Insurance: What You Need to Know
Most homeowners have never heard of the FORTIFIED Home program. That’s not an accident. Insurers …
When Your Roof Age Makes Insurance Impossible
Your roof is the first place an insurer looks when they’re deciding whether to cover your house at all. …
How Home Security Ratings Affect Your Insurance Premiums
Most homeowners think a security system automatically brings down their insurance bill. It usually does. But …
Lender Placed Insurance: Why It Costs More
Most homeowners don’t realize their insurance can be replaced without their permission. Then they get …
What Your Lender Really Requires in Home Insurance
Your mortgage approval came through, and now there’s a five-page insurance requirements document sitting …
Escrow Accounts and Your Home Insurance Costs
Most homeowners never actually pay their home insurance premium. The bill goes straight to an escrow account, …
Why Your Insurance Company Is Charging Extra Fees
You open your renewal notice, and the number is higher than last year. Not by a little. Maybe it’s $200 …
Your Credit Score's Hidden Impact On Home Insurance Rates
Most people know a bad credit score will tank their car loan interest rate. Far fewer realize it can tack …