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Browse 21 in-depth Trending 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.
Colorado's New Wildfire Risk Score Law: What It Means for You
Starting July 1, 2026, something quietly shifted in Colorado that the insurance industry didn’t exactly …
Your Insurer May Be Watching From Above Before Dropping You
Somewhere between your last renewal and this one, an algorithm looked down at your roof from orbit, flagged …
Colorado Now Requires Insurers to Show You Your Wildfire Risk Score
If you own a home in Colorado, you’ve probably watched your insurance bill climb in ways that felt …
Colorado's New Wildfire Insurance Law Takes Effect as Fires Burn
Picture this: you open your renewal notice in late June, see a number that looks like a typo, and then watch …
Your Insurer May Have Already Inspected Your Home by Drone
Most homeowners assume that if something’s wrong with their property, someone will knock on their door …
Your Insurer May Be Watching From Above at Renewal
Your renewal notice arrived in the mail. No inspector ever knocked. No one walked your roof or photographed …
California FAIR Plan Rates Jump 29.8% This Fall
If you’re a California homeowner currently insured through the FAIR Plan, you might be wondering whether …
Hail and Wind Are Now the Biggest Threat to Your Home Insurance
Your neighbor files a claim after a softball-sized hailstorm tears through the suburb, gets a check, and …
Hail Season Is Here: Why Your Deductibles Just Changed
Here’s what nobody is talking about at the water cooler: the costliest weather peril in America …
Hail and Wind Are Now Pricier Than Hurricanes for Insurers
If you live in the Midwest or Great Plains and your homeowner’s renewal notice arrived with a number …
Nearly Half of Home Insurance Claims Go Unpaid: What the Data Really Shows
If you’ve been following the news this week, you might have seen the headlines and felt something …
Reinsurance Rates Just Fell. Will Your Home Insurance Bill Follow?
Picture this: you open your homeowner’s insurance renewal notice and the number is actually lower than …
Reinsurance Rates Just Fell Sharply. Will Your Premium Follow?
Something unusual happened at the wholesale end of the insurance market this month, and almost nobody outside …
Why the Biggest Home Insurers Are Denying Nearly Half of All Claims
The numbers came out in late May 2026, and they’re worth sitting with for a moment. A Wall Street …
Nearly Half of Home Insurance Claims Pay Out Nothing
If you’re renewing your homeowner’s policy this summer, or you’ve already paid your premium …
How Trump Tariffs Are Quietly Inflating Your Home Insurance Bill
Picture this: your home insurance renewal lands in your inbox, and the premium has jumped again. You …
Nearly Half of Home Insurance Claims Now Pay Out Nothing
Hurricane season opened June 1, and most homeowners assume their policy is ready. The Wall Street …
Your Wildfire Risk Score Is No Longer Secret
Wildfire season is burning through June 2026, and for the first time, Colorado homeowners have a legal right …
Your Wildfire Risk Score Now Has to Be Disclosed
If you own a home anywhere near the wildland-urban interface, you’ve probably felt the ground shift …
You Are Paying More for Home Insurance but Covered for Less
Picture this: your neighbor’s house burns down in a wildfire. They had insurance, paid every premium on …
Reinsurance Costs Just Fell Hard. Will Your Premium Follow?
Something unusual just happened in the insurance market, and I’ll be honest: it’s the kind of …