Home Insurance
Protect your biggest asset. Learn about dwelling, property, and liability coverage for your home.
Smart Home, Safe Home: How IoT Devices Can Lower Your Premium and Prevent Disasters
Smart home technology is more than just convenience. Devices that detect water leaks, smoke, and intruders are powerful risk-management tools that can earn you significant homeowners insurance discounts.
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The New Reality: How Climate Change is Making Homeowners Insurance More Expensive and Harder to Get
Wildfires, hurricanes, and floods are becoming more frequent and severe, and the insurance industry is being forced to adapt. Learn why climate change is a primary driver of rising premiums and what it means for your policy.
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Loss of Use Coverage: The Hidden Superpower in Your Homeowners Policy
If a fire forces you from your home, where would you live? Loss of Use (Coverage D) is the financial lifeline that pays for your hotel, rent, and other expenses. This guide explains how this vital coverage works.
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Does Homeowners Insurance Cover Mold? A Tricky Question Answered
Mold is a four-letter word for homeowners and insurers alike. Coverage is extremely limited and depends entirely on the source of the moisture. This guide breaks down what is—and isn’t—covered.
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Scheduled Personal Property: A Deep Dive into Protecting Your Valuables
Your homeowners policy has strict limits on items like jewelry, art, and firearms. This guide explains what "scheduling" is and why it's the only way to truly insure your most valuable possessions.
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Filing a Condo Insurance Claim: A Step-by-Step Guide to the HO-6 Process
A condo insurance claim is uniquely complex, involving your personal HO-6 policy and the HOA's master policy. This guide walks you through different claim scenarios to ensure you know exactly what to do.
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HO-6 Dwelling Coverage: A Deep Dive into Calculating Your Condo Needs
Your HOA master policy doesn't cover everything. This guide dives deep into HO-6 Dwelling Coverage (Coverage A) and provides a step-by-step method to calculate the precise amount you need to be fully protected.
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The Unique Challenges of Insuring an Older Home
Older homes have a unique charm, but they also come with a unique set of risks. From outdated wiring to aging plumbing, learn why insuring a vintage property can be complex and what you can do to secure the best coverage.
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Does Homeowners Insurance Cover Roof Leaks? A Guide to a Tricky Claim
A leaky roof is a homeowner's nightmare, but is it covered by insurance? The answer is "it depends." This guide explains when a roof leak is covered and when it isn't.
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My Home Insurance Dropped Me. Now What? (A Guide to Non-Renewal)
Receiving a non-renewal notice from your homeowners insurance can be stressful and confusing. This guide explains why it happens and what steps to take to find new coverage.
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Why Is My Homeowners Insurance So Expensive? 7 Real Reasons and How to Lower Your Bill
If you've been shocked by your latest homeowners insurance bill, you're not alone. Premiums are rising nationwide. We break down the reasons why and what you can do about it.
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11 Home Upgrades That Will Actually Lower Your Insurance Premium in 2025
As homeowners insurance costs continue to climb, proactive upgrades are one of the most effective ways to fight back. This guide details 11 strategic improvements that can lead to significant insurance discounts.
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HO6 Dwelling Coverage: What It Is and Why It's Crucial for Your Condo
Your HOA master policy doesn't cover your condo's interior. This guide dives deep into HO-6 dwelling coverage (Coverage A) and how to calculate the right amount to protect your investment.
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What Does a Standard Home Insurance Policy Actually Cover?
A homeowners policy is a package of different coverages. This guide breaks down the six core components, from dwelling protection to liability, so you know what you're paying for.
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Is Renters Insurance Worth It? A Guide to Protecting Your Belongings
Your landlord's policy won't cover your belongings if a pipe bursts. This guide explains how renters insurance protects you from common disasters.
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Pools, Trampolines, and Liability: A Homeowner's Guide to "Attractive Nuisances"
Your swimming pool might be the highlight of the summer, but it's also a massive liability risk. Learn what the "attractive nuisance" doctrine means and how to protect yourself.
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Home Warranty vs. Home Insurance: What's the Difference?
They sound similar, but they cover completely different things. This guide breaks down the crucial differences between a home warranty and homeowners insurance to help you understand what each product is for.
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What is an HO-6 Policy? A Guide to Condo Insurance
If you own a condo, your insurance needs are unique. Learn how an HO-6 policy works with your HOA's master policy to protect your unit, your belongings, and your assets.
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Thinking of Renovating? How Home Upgrades Affect Your Insurance
A new kitchen or an extra bedroom can be exciting, but renovations change your home's value and risk profile. Learn why you must talk to your insurance agent before, during, and after your project.
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A Step-by-Step Guide to Filing a Homeowners Insurance Claim
Facing damage to your home is stressful. This guide breaks down the claims process into clear, manageable steps to help you navigate it smoothly and ensure a fair settlement.
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Are Your Pets Covered? Understanding Pet Liability and Your Homeowners Insurance
A guide to understanding how your homeowners insurance liability coverage applies to incidents caused by your pets, and where a separate pet insurance policy might be needed.
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Does Renters Insurance Cover Water Damage and Leaks?
Your landlord's policy won't cover your belongings if a pipe bursts. This guide explains how renters insurance protects you from common disasters.
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Does Homeowners Insurance Cover Water Damage? A Guide to a Complex Peril
Water is one of the most common causes of home damage, but coverage is tricky. Learn the critical difference between what is and isn't covered by a standard policy.
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A Deep Dive into Homeowners Insurance Deductibles
It's a key lever for controlling your premium, but how does a deductible really work? This guide breaks down the types of deductibles and how to choose the right one for you.
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10 Ways to Lower Your Homeowners Insurance Costs
Homeowners insurance is a necessary expense, but it doesn't have to break the bank. From simple tweaks to strategic upgrades, here are 10 actionable ways to reduce your premium.
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What Is Umbrella Insurance and Why Do You Need It?
Why might you need umbrella insurance? An umbrella policy is a surprisingly affordable and vital safeguard for your assets and future income. This guide explains what it covers and who needs it.
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How to Create a Home Inventory (and Why It's Essential for Insurance)
After a disaster, could you list everything you own from memory? A home inventory is a simple tool that can make a huge difference in a claim, ensuring you get paid what you're owed.
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What Your Homeowners Insurance Doesn't Cover: Common Exclusions
A homeowners policy provides broad protection, but it's not all-encompassing. Knowing the common exclusions is key to avoiding disastrous coverage gaps.
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Replacement Cost vs. Actual Cash Value: A Crucial Home Insurance Choice
The difference between these two terms can mean a gap of tens of thousands of dollars when you file a claim. Understanding what your policy covers is essential for true financial recovery.
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Do You Need Homeowners Insurance? The Answer is Almost Always Yes
For most people, a home is their largest asset. Homeowners insurance is the essential financial tool that protects this massive investment from disaster, liability, and the unexpected.
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