Homeowners Insurance Fundamentals
Learn the fundamentals of homeowners insurance including deductibles, coverage limits, riders, flood insurance, and more.
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Homeowners Insurance Policy and Coverage BasicsHere’s what you need to know if you’re in the market for homeowners insurance coverage to protect your biggest investment - your home.
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Actual Cash Value vs. Replacement CostMany homeowners don't know the difference between 'Actual Cash Value' (ACV) and 'Replacement Cost' homeowners insurance policies. Don't be one of them.
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Insuring Your Home Improvement or Remodeling ProjectFind out how to insure your home improvement or remodeling project including the risks associated with the work being done as well as the final results.
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Home Remodeling Means Updating Your Homeowners InsuranceRemodeling your home can increase or decrease your home insurance rates. Find out which improvements will cost you more, and which will save you money.
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Protect Your Valuables with Homeowners Insurance RidersA typical homeowners insurance policy limits the coverage of your most prized possessions. Learn how to fully protect your valuables with insurance riders or floaters.
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What You Need to Know About Flood InsuranceStandard homeowners (and renters) insurance policies don’t cover flood damage, even though floods are the most common natural disaster in the US. This contradiction puts many Americans at risk.
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Identity Theft Insurance CoverageIdentity theft is a growing risk in our increasingly digital society. Learn how adding identity theft insurance coverage to your homeowners policy can reduce your risk.
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When to Review Your Homeowners Insurance PolicyLearn when, why, and how often to review your homeowners insurance policy to keep it up to date so your home and possessions are fully covered.
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Create an Inventory of Your Possessions for Homeowners Insurance ClaimsFully protect yourself against loss from theft and disasters by making a comprehensive inventory of your belongings. You'll thank yourself if you need to file a homeowners insurance claim.
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When Insurance Companies go Bankrupt, What Happens to Policies?Worried that your policy evaporated when the housing bubble burst? Learn what your state does to protect you if your insurance company goes under.
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Homeowners Insurance for Second Homes or Vacation HomesObtaining homeowners insurance for second homes or vacation homes involves very different considerations than insuring your primary residence.
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Earthquake Insurance BasicsHome insurance doesn’t cover earthquake damage. Read on to find out what earthquake insurance is and if you need it.
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Homeowners Insurance MythsMany well-known "facts" regarding homeowners insurance are, in fact, not true. These home insurance myths could cost you money or expose you to risk.
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Homeowners Insurance Liability CoverageHomeowners liability coverage protects you from personal liability should someone injure themselves in your home and take legal action against you.
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Choosing the Right Homeowners Insurance DeductibleChoosing the right amount of homeowners coverage is a tough decision. Determining how much to set your deductible at can be even more challenging. This is why we’ve created a guide to help.
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Drone Insurance & Your Homeowners PolicyLearn how to insure your drone. Find out which type of coverage you need to get to protect both your drone and your finances from liability.
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Homeowners Insurance and Home-Based BusinessesWhile many business owners assume their homeowners insurance will cover their at-home business, this often isn’t the case. Learn how to properly insure your home-based business.
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Homeowners Insurance and AirbnbAre you a homeowner renting out a room or home to Airbnb guests? Learn how to properly insure your dwelling.
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What is Hurricane Insurance Coverage?Hurricane insurance coverage doesn’t exist as a single insurance policy. There are, however, different insurance types that work together to provide coverage from hurricanes.
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How To Get Tsunami InsuranceTsunamis aren’t common, but when they do happen, they usually cause a lot of damage. Here’s how you can protect yourself, your home, and your car.
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Get the Best Condo Home InsuranceEverything you need to know about home insurance for your condo, and HO-6 homeowners policies
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The Best Homeowners Insurance AppsInventorying your stuff may be a hassle, but you’ll be glad you did if you ever have to make a homeowners insurance claim. Here are some of the best home insurance apps and online tools.
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Homeowners Insurance for Mobile and Manufactured HomesMobile home insurance differs in many ways from standard homeowners insurance. Learn what mobile and manufactured home insurance does and does not cover. Find out how much mobile home insurance you need, and how to get the cheapest rates.
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What Happens to My Homeowners Insurance Policy When I Move?Moving can be such a stressful time for homeowners. Learn what happens to your homeowner's insurance policy when you move.
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How to File a Homeowners Claim When Someone Breaks into Your CarEver wondered if you can file a homeowners claim after someone breaks into your vehicle? Well, you can, and we’ve created a guide on how to do so.
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How Does Homeowners Insurance Cover Wildfire Damage and Destruction?Here's what you need to know about how home insurance protects you from these blazes, how you can file a claim for wildfire damage, and more.
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What Kinds of Tree Damage Does Homeowners Insurance Cover?If you’re a current or potential homeowner, here’s all you need to know about what home insurance does and doesn’t cover when it comes to tree damage.
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Why Homeowners Need Landslide Insurance CoverageStandard homeowners insurance policies usually don’t cover landslide damage. Luckily, ‘Difference in Conditions’ policies do cover it. Here’s what that means and how you can get it.
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What Does Additional Living Expense Coverage Provide?Additional Living Expenses coverage helps you pay for increased housing, transportation, food, and other costs after you home is damaged or destroyed
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How to Calculate Your Home's Replacement Cost ValueEstablishing an accurate replacement cost for your home is vital. But it's a tricky process. Fortunately, there are several routes you can take to ensure you're properly covered.
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Home insurance and Mortgage PaymentsWhen buying a house through a mortgage lender, part of your monthly payment to them covers your home’s taxes and homeowners insurance.
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Tax Deductions for Homeowners InsuranceIn most cases, homeowners insurance premiums aren't tax-deductible. There are times when you can write off these payments, however. Here are all the important details of those situations.
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Does My Homeowners Insurance Cover Wind Damage?Extreme storms bring a list of threats to your home with them. Wind is one of the heavy hitters. Its key danger is the fact that it threatens almost every external part of your house. Is your home covered for wind damage? How much of it will your homeowners policy cover? Read on to find out.
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Is Mold Damage Covered by Homeowners Insurance?Does homeowners insurance cover mold damage? Not always. Keep reading to find out all you need about mold coverage and home insurance.
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Does My Homeowners Insurance Cover Termite Damage?Termites can do terrible damage to your home. Find out when and if your homeowners insurance policy protects your house from termite damage.
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What’s the Difference Between Hazard and Homeowners Insurance?Hazard insurance covers the structure of a home. It’s similar to home insurance, but not quite the same thing.
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What is Homeowners Personal Property Insurance?Personal property insurance helps cover your belongings in your home from theft, fire, and many other dangers. Read on to see what contents are protected.
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Is Foundation Repair Covered by Home Insurance?Damaged foundations are costly and relatively common. Find out what types of foundation damage home insurance covers.