Samuel Gilbert

Samuel Gilbert

Insurance Analyst

Sam is a research analyst at QuoteWizard, specializing in homeowners and renters insurance. He formerly worked in education, giving him an appreciation for clarity and accuracy in his presentation of complex topics. Sam also emphasizes rigorous analysis in his work, having held positions in medical and physics research. He holds a dual degree in Physics and German Studies from Vassar College.

Articles By Samuel

What Does Homeowners Insurance Cover?

Homeowners insurance protects you, your home and your family. Coverage can help you recover if the things important to you are damaged.

Homeowners Insurance Riders: How to Cover Your Jewelry and Other Valuables

Insurance riders can help protect your most valuable items. Here’s when to add one to your home insurance policy.

Creating a Home Inventory List for Homeowners Insurance

A home inventory makes it easier to file homeowners insurance claims and can help you find gaps in your coverage.

Personal Liability Coverage and Why You Need It

Personal liability insurance can cover property damage and bodily injury when you are liable. Find out if your home insurance policy protects you.

Homeowners Insurance for Mobile and Manufactured Homes

Mobile home insurance protects your investment, but it can be tough to get coverage for older homes. Here are the basics.

Loss of Use Coverage: What Is It and What Does It Cover?

If you find yourself unable to remain in your home after a disaster, loss of use coverage can help pay your additional expenses.

Is Homeowners Insurance Tax Deductible?

Homeowners insurance is not tax deductible if you only use your house as a residence. But if you have a home office or business, you can get tax breaks.

What Is Hazard Insurance and How Is It Different From Home Insurance?

Hazard insurance covers the structure of your home, and mortgage lenders often require it as a condition of your home loan.

The Average Cost of Homeowners Insurance in 2020

The average cost of home insurance is $1,215 in the U.S., according to our study of all 50 states. Here’s how it breaks down.

How Much Does Condo Insurance Cost?

Based on our research, condo insurance costs $488 a year on average, but rates vary depending on your location and coverage amount.

Does Homeowners Insurance Cover Dog Bites?

All dogs can bite, regardless of breed and temperament. Here's what dog owners should know about the coverage home insurance provides.

The Best Home Insurance Companies in 2020

Our study of the best homeowners insurance companies can help you find the right coverage for you at an affordable price.

Will My Homeowners Insurance Allow Pit Bulls?

Finding a home insurance provider that includes liability coverage for your pit bull can be difficult and expensive.

Private Flood Insurance: A Good Alternative to NFIP?

Private flood insurance can be a great alternative to NFIP policies. Here’s everything you need to know about it.

Best Condo Insurance Companies: How To Choose The Right Coverage

The best condo insurance company for you will supplement your HOA's master policy. Here's how to find the right coverage.

The Best Mobile Home Insurance Companies

Choosing the best mobile home insurance company isn't easy. Here are our top four picks to help simplify the decision.

How Much Does Flood Insurance Cost? Averages by State and Zone

Here's what you need to know about the cost of flood insurance in your state or zone, and how to estimate your rates.

Florida Flood Insurance Cost and Coverage in 2020

Here's your complete guide to flood insurance for Florida homeowners: the cost, how to get a quote, and your rate map.

Mortgage Insurance vs. Homeowners Insurance: How They're Different

Homeowners insurance protects you and your home, while mortgage insurance protects lenders from borrower default.

Flood Insurance in Texas: Cost, Coverage and Requirements

Protecting your home with flood insurance is important no matter where you live in Texas. Coverage is cheaper than you might think.

Mobile Home Insurance in Texas

Buying homeowners insurance for your mobile or manufactured home is a great way to protect your investment.

Find Cheap Homeowners Insurance

Getting affordable coverage for your home can give you peace of mind without breaking the bank.

Home Insurance Discount for Security Systems: What to Know Before Buying

Alarm systems can earn you a discount on your homeowners insurance, but the upfront cost may outweigh the benefits.

Natural Disaster Insurance and Homeowners Insurance: Are You Covered?

Homeowners insurance covers some natural disasters, but not all. Find out when your insurance can step in to cover you after a natural disaster.

Homeowners Insurance With A Swimming Pool

You can add your pool to your home insurance policy, but coverage varies greatly for in-ground and above-ground pools.

Flood Zone Insurance: How Location Affects Your Rates

Flood zones play a big role in deciding your flood insurance cost. Here's how to learn your zone and estimate your rates

How ISO Fire Ratings Affect Your Home Insurance

ISO ratings measure a community's fire preparedness in the case of emergency, which can affect your home insurance rates.

Actual Cash Value vs. Replacement Cost Renters Insurance

Your renters insurance will cover your belongings at actual cash value or replacement cost. Here’s the difference, and how to choose the right policy for you.

How Much Does Renters Insurance Cost?

Our study found that the average cost of renters insurance is $180 a year, but premiums depend on where you live and coverage amount.

How to Cancel Your Renters Insurance Policy

Cancelling your renters insurance policy anytime is easy, but there are a few things you should know beforehand.

Renters Insurance with Roommates: Is Everyone Covered?

Sharing apartments with roommates is becoming more common as housing prices skyrocket. But can tenants share their renters insurance?

Is Renters Insurance Worth It? Here’s Why We Think So.

Renters insurance provides valuable coverage at a low price. This is why we think all tenants should consider getting it.

The Best Renters Insurance Companies in 2020

Renters insurance should balance coverage, affordability and customer service. Here are our picks for the best companies in 2020.

Kin Insurance Review: Our Rating of a Cheap Online-Only Insurer

Kin uses technology to offer cheap home insurance premiums, but has limited regional availability and bundling opportunities.

Security First Home Insurance Review: Fair Rates but Frequent Complaints

Security First offers reasonable home insurance premiums in Florida, but has only average customer satisfaction.

American Modern Insurance Review: What to Know About the Specialty Insurer

American Modern offers insurance even if you don't qualify for traditional coverage, but it won't come cheap.