Homeowners Insurance Rate Factors

Everything you need to know about homeowners insurance rate factors and tips for filing claims including dog breeds, natural disasters, and more

Flood zone sign

How Flood Zones Affect Flood Insurance Rates

Your home’s flood zone plays a major role in what you pay for flood insurance. The difference between locations can be profound.

wildfire burning hillside

Does Home Insurance Cover Natural Disasters?

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

image of red house with fence

Homeowners Insurance Cost Factors

Home insurance rates are based on a variety of factors. Insurance companies weigh these factors differently when determining your rate.

Frustrated man looking at documents

What to Do if Your Homeowners Insurance Claim is Denied

If your homeowners insurance company denies your claim, here are the steps you can take to get them to pay.

smart home phone app

Smart-Home Technology and Homeowners Insurance

Our homes are more ‘connected’ than ever before, but what does that really mean for you, your wallet, and your home insurance? Read on to find out.

Home dog looking out window

Homeowners Insurance Dog Breed Restrictions

If your homeowners policy excludes or limits coverage for your dog's breed, it's time to shop for a dog-friendly insurance company.

gavel and scales in front of law books

When to Hire a Lawyer to Improve Your Home Insurance Claim Settlement

If you filed a home insurance claim and weren't happy with your insurance company's decision, you can hire a lawyer to try to improve your settlement.

Kids playing in backyard trampoline

How Trampolines Affect Home Insurance

Trampolines are not automatically covered by home insurance. Check your policy before you install one in your yard.

house flooding with water

Does Homeowners Insurance Cover Water Damage?

Water can do significant damage to your home quickly. Learn here when home insurance does and does not cover it.

Homeowners Insurance for Older Homes

Older homes have a higher risk for an insurance claim. This can raise your insurance rates. We can help find the right policy.

pile of credit cards

Credit Scores and Homeowners Insurance Rates

Your credit can affect your home insurance rates. Learn how to keep your credit score high and home insurance rates low.

Public insurance claim adjuster at house

What Does a Public Insurance Claims Adjuster Do?

After you file a claim, you might not feel satisfied with the result. A public adjuster can help you negotiate a better settlement.

photo of pile of money

Who Gets the Insurance Claim Payout on a Mortgaged Home?

If you mortgage your home and file a home insurance claim, the money may not go directly to you from your insurer.

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.

homeowners insurance claim form

What Happens If My Home Insurance is Cancelled or Not Renewed?

We can help you learn what to do if your homeowners insurance policy is cancelled or not renewed by your provider.

woman face in hands after burglary

Does Home Insurance Cover Theft?

Home insurance usually covers your stuff from theft and burglary. Learn about theft coverage, exclusions and filing a claim.

home security system

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.

high-risk homeowners insurance

What If I Can't Get Home Insurance?

If you are unable to get homeowners insurance for a high-risk home, follow these steps to find the coverage you need.

house insurance claim form

When Not to File a Home Insurance Claim

Filing a home insurance claim isn't always the best course of action. This article can help with the decision.

Backyard swimming pool

Homeowners Insurance Coverage for Swimming Pools

Home insurance usually covers pools, but coverage differs between above-ground and in-ground pools. We'll explain here.

shingled roof of house

How Your Roof Affects Your Insurance Rates

Home insurers pay a lot of attention to your roof. Learn here what they look at and how to reduce your insurance costs.

homeowners insurance claim form

How and When to File a Home Insurance Claim

Knowing what to do when you have to file a home insurance claim can make a difference in how successful the claim is.