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

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 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.

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.

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.

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.

Frustrated man looking at documents

What to Do if Your Homeowners Insurance Claim is Denied

If your insurance company refuses to pay for damage to your home, here's how to make it honor its contractual duties.

Home dog looking out window

Homeowners Insurance Dog Breed Restrictions

Insurance company restrictions on certain dog breeds can make it hard, but not impossible, to get home coverage.

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.

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.

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.

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.

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.

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.

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

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.

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.

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.

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.

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.

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.

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.

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.