Homeowners Insurance Fundamentals

Learn the fundamentals of homeowners insurance including deductibles, coverage limits, riders, flood insurance, and more.

home insurance rates heatmap

The Average Cost of Homeowners Insurance in 2020

The average cost of home insurance is $1,215 in the U.S., according to our study of all 50 states. Here’s how it breaks down.

house burning from wildfire

Homeowners Insurance and Wildfire Coverage

Home insurance usually covers wildfire damage, but there are exceptions and limits. This article can help clear the air.

Family gathering in backyard

What is Personal Liability Coverage?

Personal liability insurance is part of homeowners insurance and can cover property damage and bodily injury if you are found responsible.

home remodel

Home Builders Insurance: The Basics

Building or renovating a home? This guide covers the types of insurance you or your contractor need for your protection.

remodeled kitchen

A Guide to Cancelling Your Home Insurance

You may feel the need to cancel your home insurance, but doing it wrong can be risky. Learn here how to do it right.

How Home Insurance Works

Knowing how your home insurance covers you is as important as what it covers. We can help you understand how it works.

mobile or manufactured home

Homeowners Insurance for Mobile and Manufactured Homes

Mobile home insurance protects your investment, but it can be tough to get coverage for older homes. Here are the basics.

How Does Homeowners Insurance Cover Fire?

Standard home insurance covers fire damage, but less so if you’re in a high fire risk area. This may limit your coverage.

flood water in home

Understanding What Flood Insurance Covers

In the event of a flood, home insurance won’t cover your damages. Learn here how flood insurance picks up the slack.

P trap leaking water

Does Home Insurance Cover Plumbing Repairs?

Home insurance covers a lot of plumbing damage, but only if it’s sudden and accidental. Wear and tear isn’t covered.

calculate replacement cost value

How to Calculate Your Home's Replacement Cost Value

Establishing 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.

Vacation beach house

Home Insurance for a Second House

Vacation, second, or rental homes have different insurance risks and requirements than a primary, owner-occupied house.

beach houses for rent through airbnb

Insuring an Airbnb Home

If you use your home as an Airbnb rental, homeowners insurance doesn't provide enough coverage. Here are more options.

Damaged property

What Is Hazard Insurance and How Is It Different From Home Insurance?

Hazard insurance covers the structure of your home, and mortgage lenders often require it as a condition of your home loan.

Is Home Insurance Required?

There’s no law that says you need home insurance, but your mortgage provider will probably require you to get coverage.

man working at home-based business

Home Insurance and Home-Based Businesses

Having a home business brings insurance needs that home insurance may not cover. Learn here about your options.

Your Homeowners Insurance Declaration Page Guide

Your home insurance declaration page is a valuable tool that has many uses. Learn here how to navigate it to your benefit.

home with coverage cloud

What Does Homeowners Insurance Cover?

Homeowners insurance protects you, your home and your family. Coverage can help you recover if the things important to you are damaged.

Flooded home

Do I Need Flood Insurance Coverage?

A flood is one of the most destructive disasters that can happen to a home. Do you need flood insurance, and how much?

tsunami evacuation sign

How To Get Tsunami Insurance

Tsunamis 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.

newly remodeled living room

Home Insurance and Remodeling Your Home

Remodeling can affect your home insurance rates. Find out which home improvements will cost or save you money.

car with smashed window

Does Home Insurance Cover Theft From My Car?

If your car is broken into, does your home insurance cover it? Learn here how personal property coverage helps you.

mold damage covered by home insurance

Does Homeowners Insurance Cover Mold?

Home insurance is often limited in what mold damage it covers. Learn here what coverage home insurance provides for mold.

hurricane evacuation route sign

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.

Personal property in a box

What is Homeowners Personal Property Insurance?

Personal property insurance covers your belongings from theft, fire, and many other threats. Learn here what's covered.

creating inventory list

Creating a Home Inventory List for Homeowners Insurance

A home inventory makes it easier to file homeowners insurance claims and can help you find gaps in your coverage.

angry woman making phone call

Identity Theft Insurance Basics: How to Get It, What It Does

If you have the misfortune of having your identity stolen, identity theft insurance can assist you in paying to fix it.

smartphone held in hand

The Best Homeowners Insurance Apps

Inventorying 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.

image of income tax return

Is Homeowners Insurance Tax Deductible?

Homeowners insurance is not tax deductible if you only use your house as a residence. But if you have a home office or business, you can get tax breaks.

Red white and blue condos

Condo Insurance Basics

Condos require very specific homeowners insurance. Learn how it works, what coverage you need and how much it costs.

Tree falls near house after windstorm

Getting Windstorm Insurance in Texas

Most Texas mortgage lenders require homeowners to have windstorm insurance. Learn here if you need it and how to get it.

Homes damaged by earthquake

Earthquake Insurance Basics

Home insurance doesn’t cover earthquake damage. Read on to find out what earthquake insurance is and if you need it.

unlivable home due to roof damage

Loss of Use Coverage: What Is It and What Does It Cover?

If you find yourself unable to remain in your home after a disaster, loss of use coverage can help pay your additional expenses.

map of condo insurance rates by state

How Much Does Condo Insurance Cost?

Based on our research, condo insurance costs $488 a year on average, but rates vary depending on your location and coverage amount.

wood of home damaged by termites

Home Insurance and Termite Damage

Termites can cause costly damage to your home. Learn here when your home insurance covers it and how to prevent it.

two dogs fighting

Does Homeowners Insurance Cover Dog Bites?

All dogs can bite, regardless of breed and temperament. Here's what dog owners should know about the coverage home insurance provides.

tree falling on home

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.

image of moving boxes

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.

home appliances

What Does Home Appliance Insurance Cover?

Homeowners insurance typically doesn't cover the wear and tear of your appliances. Find out how home appliance insurance can cover them.

diamond bracelet

Homeowners Insurance Riders: How to Cover Your Jewelry and Other Valuables

Insurance riders can help protect your most valuable items. Here’s when to add one to your home insurance policy.

Home being destroyed by fire

Actual Cash Value vs. Replacement Cost

Actual cash value and replacement cost home insurance policies pay out very differently. That difference can save you money.

landslide on side of mountain

Why Homeowners Need Landslide Insurance Coverage

Standard 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.

roof with wind damage

Does My Homeowners Insurance Cover Wind Damage?

Is your home covered for wind damage? How much of it will your homeowners policy cover? Read on to find out.

flooded homes in new jersey

Do I Need Flood Insurance in New Jersey?

If you own a home in New Jersey, flooding is a threat. If you’re wondering if you need flood insurance, read this guide.

Stacks of money

Choosing the Best Home Insurance Deductible

Your deductible affects how much your home insurance costs. Here’s what you need to know to pick the right deductible.

Repairing home foundation

Is Foundation Repair Covered by Home Insurance?

Damaged foundations are costly and relatively common. Find out what types of foundation damage home insurance covers.

Man fixing air conditioning

Does Home Insurance Cover AC Units?

Homeowners insurance covers your home’s air conditioner in many, but not all, situations. Read on to see if your damaged AC is covered by insurance.

Large hail collected after storm

Does Home Insurance Cover Hail Damage?

Hail can cause significant damage to your home. Find out how homeowners insurance covers you after a hailstorm.

Mortgage statement payment check

Home insurance and Mortgage Payments

When buying a house through a mortgage lender, part of your monthly payment to them covers your home’s taxes and homeowners insurance.

image that says bankruptcy

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.