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

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.

homeowners insurance claim form

What Happens If My Homeowners 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.

Homeowners Insurance for Older Homes

If you own or are thinking of purchasing an older home, there are a few things to consider when it comes to insurance, particularly higher premiums.

house insurance claim form

When Not To File a Homeowners Insurance Claim

If you've already filed a homeowners insurance claim recently, or the cost of the damage is small or close to your deductible amount, then you should consider paying out of pocket. The deductible and the potential rate increase may make a claim not worth it.

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.

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.

Home dog looking out window

Restricted Dog Breeds That Affect Home Insurance

Find out which dog breeds are an insurance liability, and which companies do and don't restrict by breed.

shingled roof of house

How Your Roof Affects Your Insurance Rates in 2021

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

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.

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.

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.

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

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.

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.

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.