Expert Homeowners Insurance Advice

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

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Getting the Best Condo Insurance

Condo owners need different insurance than owners of a house. We'll help you understand how to get the best policy.

california home flood

How Much is Flood Insurance in California? Averages by Zone

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

young couple holding keys to first home

Shopping For Home Insurance 101

Whether you move to a larger or smaller house, relocate to a new area, or are just unsatisfied with your current premium, you’ll likely need to review your homeowners insurance coverage.

Cheapest Homeowners Insurance Companies

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

Empty room in a vacant home

Vacant and Unoccupied Homeowners Insurance

A house left vacant for extended periods is a high insurance risk. We'll explain how to insure a vacant or unoccupied home.

Living room flooding

The Difference Between NFIP and Private Flood Insurance

NFIP and private flood insurance offer different cost and coverage options. Read on to learn which is best for you.

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.

average flood insurance rates map

How Much Does Flood Insurance Cost? Averages by State and Zone (2022)

The average cost of flood insurance through the NFIP is $771 per year, but the amount you pay depends on your location.

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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.

Row of apartment buildings

Landlord Insurance Policies

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

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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.

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Best Home Insurance for Senior Citizens

Seniors have special needs for their home insurance. This guide will help you understand how to get your best coverage.

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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.

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.

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What Are the Best Mobile Home Insurance Companies?

Finding the right mobile home insurance can be difficult. We've found the best mobile home companies for you to consider.

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.

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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.

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.

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.

Louisiana’s Best Mobile Home Insurance

Shopping for insurance for a mobile or manufactured home in Louisiana? Here’s the info you need to get it right.

How Much is Flood Insurance in Houston?

Flood insurance in Houston costs an average of $678 a month. We will explain flood insurance and how to buy it.

florida condos

Condo HO6 Insurance in Florida

The vitals on insuring your Florida condo with an HO-6 policy, including how much it costs and how much you need.

Pit bull terrier

Does My Homeowners Insurance Cover Pit Bulls?

If you own a pit bull, it could mean some home insurance challenges for you. We'll help you find the coverage you need.

Is Sewer Line Repair Covered by Insurance?

Standard home insurance for sewer messes is extremely limited, but a couple of inexpensive riders can fill the gaps.

Flood insurance in Louisiana (2022)

Flood insurance in Louisiana costs an average of $63 a month. We can help you understand what it costs and covers.

Getting Insurance for Older Mobile Homes

Older mobile homes can be more difficult to insure than manufactured homes. Read on to learn the difference between the two.

How Much Is Flood Insurance in Florida?

The average cost of flood insurance in Florida in 2022 is $629 a year, which is $142 less than the national average.

flooding in texas

How Much Is Flood Insurance in Texas? (2022)

The average cost of flood insurance in Texas is $180 a month for building and contents coverage, depending on your flood zone.

Heavy windstorm and rain in Florida

Florida Wind Insurance

Florida windstorm insurance protects your home from heavy wind damage caused by hurricanes and other storms.

Water damage on internal wall

What Does Home Repair Insurance Cover?

Home repair insurance covers systems and appliances for reasons home insurance excludes. We'll explain more here.

Flood Insurance Companies

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

mobile home street in florida

Florida Mobile Home Insurance Basics

Insuring a mobile home in Florida can be challenging. Here are key things you should know to find the right coverage.

Man holding pot under leak

Does Homeowners Insurance Cover 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.

home insurance policy

The Eight Types of Homeowners Insurance

The type of home insurance you need will depend on the type of home you have and your budget. We'll help sort them out.

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Are You Being Overcharged for Home Insurance?

There are many reasons you might be paying too much for homeowners insurance. We can help you cut your insurance costs.

Sinkhole on lawn

Sinkhole Insurance Coverage

Homeowners insurance does not automatically cover sinkholes. Here's how to protect against this hidden threat.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.