Expert Homeowners Insurance Advice

Expert advice about buying a homeowners insurance policy including what's covered, discounts, and when you're being overcharged

How Much Is Flood Insurance in Florida?

The average cost of flood insurance in Florida in 2021 is $597 a year, which is $361 less than the national average. Florida is the cheapest state for flood insurance.

flooding in texas

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 in texas

Best Mobile Home Insurance in Texas

Need the best insurance for your mobile home in Texas? Here are the insurers and coverage you’ll want to know about.

best homeowners insurance neighborhood

The Best Home Insurance Companies

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

Man asking "how much coverage do I need?"

How Much Home Insurance Do I Need?

Home insurance covers one of the biggest investments you’ll ever have. We’ll help you find the right amount of coverage.

home appliances covered

The Best Home Warranty Companies

Home appliance insurance covers some blind spots home insurance doesn’t. We’ll help you find the right home warranty.

Do You Need Short-Term Renters Insurance?

Standard home insurance doesn’t provide much coverage for short-term rentals. Here's how you can protect your property.

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Home Insurance for Senior Citizens

If you’re a senior citizen, you may have special insurance concerns to consider when choosing a home insurance policy.

average flood insurance rates map

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

The average cost of flood insurance through the NFIP is $958 per year, but the amount you pay depends on your location.

Man holding pot under leak

Home Insurance and Roof Leaks

Whether your home insurance will cover your leak depends on how the leak was caused. Read on to see if your home insurer will repair or replace your roof after a leak.

Abandoned mine

Insurance for Mine Subsidence

If you live in an area with a history of mining operations, mine subsidence can be a threat. Keep reading to find out what mine subsidence means for your home insurance needs.

Empty room in a vacant home

Insurance for Unoccupied and Vacant Homes

If your house isn’t lived in for long periods, it’s a high insurance risk. Unoccupied or vacant home insurance can help.

Row of apartment buildings

Landlord Insurance Policies

Learn why homeowners can’t rely on a standard home insurance policy to protect their property.

Water damage on internal wall

Home Repair Insurance Basics

If your washer goes out from old age, home insurance won’t cover it. Home repair insurance can pick up that slack.

Tornadoes storm near country homes

FAIR Plan Insurance Policies

If you’re struggling to insure a high-risk home, a FAIR plan may help. Here’s how a FAIR plan works.

Heavy windstorm and rain in Florida

Florida Windstorm Insurance Basics

Own a home in Florida? This guide can help you understand windstorm insurance and how to reduce your premium.

flooded home

Home Insurance and Act of God Clause

What’s an act of God, and does insurance cover it? This article helps clarify what it means and whether it’s covered.

septic tank under home

Home Insurance Coverage for Septic Tanks

A septic tank backup can cause expensive damage to your home. Learn here which sewage issues are and aren’t covered.

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Florida Mobile Home Insurance Basics

Needing mobile home insurance in Florida? Learn here about policy limits and costs, as well as where to buy it.

blue home

Recoverable Depreciation and Home Insurance

Depreciation can take a chunk out of a home insurance claim. Learn here how recoverable depreciation can work for you.

homeowners insurance vs home warranty

Home Insurance vs. Home Warranty

Home insurance and home warranties cover different parts of your home. Find out what they do and whether you need them.

Row of condo buildings

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.

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Home Insurance for Military Members and Veterans

Are you a current or retired member of the Armed Forces? Learn here how to find home insurance that works best for you.

Insured jewelry

How Do You Insure Jewelry?

Home insurance has a low coverage limit for jewelry. Learn what your best insurance options are to cover your bling.

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

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

home insurance policy

The Eight Types of Homeowners Insurance

Different types of homes require different types of home insurance. You can find out here which one is right for you.

Sinkhole on lawn

Sinkhole Insurance Coverage

Sinkholes pose danger to your home, but home insurance usually doesn’t cover it. Find out how to get sinkhole coverage.

california home flood

Flood Insurance in California

If you live in California, floods are a major threat. Learn here how flood insurance can help and if you need it.

CLUE Reports

Your CLUE Report: What It Is and How It Works

A CLUE report provides vital history of a home's insurance claims that is valuable to both homeowners and insurers.

co-op apartment

Condo vs. Co-op Insurance: What's the Difference?

Condos and co-ops have different insurance needs than houses. Getting the right insurance means knowing the difference.

young couple holding keys to first home

Shopping For Home Insurance 101

Choosing a homeowner's insurance company and policy is a major step for new homeowners. Learn what you should take into consideration before making the big choice.

young couple in front of first house

First-Time Home Buyers Insurance Guide

First-time home buyer looking for home insurance? We can help you learn what it does, how much coverage you need and what it costs.

inspecting a house

Do I Need an Inspection to Get Homeowners Insurance?

An inspection isn’t always necessary before insuring a home. This guide can teach you when you do and don’t need one.

exterior image of house

How to Lower Your Homeowners Insurance Rates

Homeowners insurance can be a costly investment. There are steps you can take, however, that may help your budget.

Row of homes in flooded streets

Getting the Best Flood Insurance

If flooding is a risk to your home, you need the right flood insurance. Learn here what flood policy is best for you.

neighborhood with cheap home insurance

Find Cheap Homeowners Insurance

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

Pit bull terrier

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.

Getting Insurance for Older Mobile Homes

If your mobile home was made before 1976, you may have trouble finding home insurance. We can help find a solution.

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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.

Living room flooding

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.

house flooded inside with water

16 Common Homeowners Insurance Mistakes

Failing to buy the right amounts or kind of homeowners coverage can cost you dearly. Read on to learn how to avoid some common homeowners insurance mistakes.

sign that says warning overcharging

Signs You’re Being Overcharged for Homeowners Insurance

Find out if you're being overcharged for homeowners insurance and learn what steps you can take to get the best deal on your policy. No one should pay more for home insurance than they have to

florida condos

Condo HO6 Insurance in Florida 2021

Own a condo in Florida? HO6 Condo insurance helps cover what your homeowners association insurance doesn't.

mold damage in home

What Does My Home Insurance Not Cover?

There are some problems that home insurance doesn’t cover. We can help you learn what isn’t covered and why.

Flood Insurance Companies

Finding a flood insurance company you trust can give you confidence knowing that you’ll be covered after a disaster.

Flood Insurance in Houston

Flood insurance costs less than $600 a year on average in Houston. Here’s what to know about coverage and where to buy it.

Flood Insurance in Louisiana: Cost and Coverage

Flood insurance is a valuable protection for homeowners in Louisiana. Here’s what to know the average cost and coverage.

Is Roof Replacement Covered by Home Insurance?

Home insurance covers many dangers to your roof. This will depend on your roof’s age, condition and material quality.

Is Sewer Line Repair Covered by Insurance?

Home insurance doesn't offer much coverage for sewer lines. But there are add-ons and separate policies that do.

Furniture floating on standing water

Does Homeowners Insurance Cover Basement Flooding?

When your basement floods, what your homeowners insurance covers depends on what caused the water damage.