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

old victorian style home

Homeowners Insurance for Older Homes

Do you own, or are you thinking of purchasing an older home? If so, read on to learn what you need to know about homeowners insurance and older homes.

homeowners insurance claim form

Tips For Handling Home Insurance Claims

For most people, insurance is something they purchase but hope to never use. Sadly, we're not all so lucky. Storms come, accidents happen, and fires start.

homeowners insurance claim form

Homeowners Insurance Cancelled or Not Renewed

Learn what to do if your homeowners insurance policy is cancelled or not renewed by your insurer. We'll also show you how to avoid having your home insurance coverage dropped in the first place.

ISO Fire Ratings House Burning

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.

Home dog looking out window

Dog Breeds That Affect Homeowners Insurance Coverage

Your family dog can be a factor in whether you can get homeowners insurance. Find out if your dog is an insurance liability.

house flooding with water

What Water Damage Does Home Insurance Cover?

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

high-risk homeowners insurance

What If I Can't Get Home Insurance?

Finding home insurance if you have a high-risk home can be difficult. This article can help you if you're unable to get insurance.

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.

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.

image of red house with fence

Home Insurance Cost Factors: How Your Rate is Decided

Home insurance rates are based on a variety of factors. Find out what they are, and how you can save.

photo of pile of money

Why Is My Mortgage Company Withholding My Home Insurance Claim Settlement Money?

In some cases, mortgage lenders withhold homeowners insurance claim funds to ensure the money is used to repair or replace a damaged or destroyed home.

Kids playing in backyard trampoline

Home Insurance Coverage for Trampolines

Home insurers see trampolines as an insurance risk. If you own one, you may face challenges when insuring your house.

Flood zone sign

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

shingled roof of house

How Your Roof Impacts Your Homeowners Insurance

Your roof is a vital factor in the cost of your homeowners insurance. Properly installing and maintaining a roof with the right materials can keep your policy price reasonable.

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.

wildfire burning hillside

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.

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.

house insurance claim form

When Not To File a Homeowners Insurance Claim

You pay for homeowners insurance to protect yourself if something happens to your property. But there are times when you’d be better off paying for repairs out of your own pocket, rather than filing a claim.

Backyard swimming pool

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.

Frustrated man looking at documents

What to do if Your Homeowners Insurance Claim is Denied

Home insurance companies deny claims for a variety of reasons. But homeowners have a few different options for recourse.

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.

gavel and scales in front of law books

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

If you filed a homeowners insurance claim and weren't satisfied with your insurance company's decisions, you can fight back. You have several options, including hiring a lawyer to improve your settlement.