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Homeowners Insurance Fundamentals
Learn the fundamentals of homeowners insurance including deductibles, coverage limits, riders, flood insurance, and more.
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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.
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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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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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Condo Insurance BasicsCondos require very specific homeowners insurance. Learn how it works, what coverage you need and how much it costs.
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Insuring an Airbnb HomeIf you use your home as an Airbnb rental, homeowners insurance doesn't provide enough coverage. Here are more options.
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The Average Cost of Homeowners Insurance in 2020The 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.
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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.
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Homeowners Insurance Riders: How to Cover Your Jewelry and Other ValuablesInsurance riders can help protect your most valuable items. Here’s when to add one to your home insurance policy.
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Actual Cash Value vs. Replacement CostActual cash value and replacement cost home insurance policies pay out very differently. That difference can save you money.
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Homeowners Insurance for Mobile and Manufactured HomesMobile home insurance protects your investment, but it can be tough to get coverage for older homes. Here are the basics.
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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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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.
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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.
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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.
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Choosing the Best Home Insurance DeductibleYour deductible affects how much your home insurance costs. Here’s what you need to know to pick the right deductible.
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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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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?
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Getting Windstorm Insurance in TexasMost Texas mortgage lenders require homeowners to have windstorm insurance. Learn here if you need it and how to get it.
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Does Home Insurance Cover Plumbing Repairs?Water damage from a broken pipe can cost you money and time. Find out if your plumbing leak is covered by home insurance.
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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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Is Foundation Repair Covered by Home Insurance?Damaged foundations are costly and relatively common. Find out what types of foundation damage home insurance covers.
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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.
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Creating a Home Inventory List for Homeowners InsuranceA good home inventory list is invaluable when you need to file a home insurance claim. This guide can help you make one.
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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 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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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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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 Builders Insurance: The BasicsBuilding or renovating a home? This guide covers the types of insurance you or your contractor need for your protection.
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Does Home Insurance Cover Hail Damage?Hail can cause significant damage to your home. Find out how homeowners insurance covers you after a hailstorm.
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Personal Liability Coverage and Why You Need ItPersonal liability insurance can cover property damage and bodily injury when you are liable. Find out if your home insurance policy protects you.
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Home Insurance for a Second HouseVacation, second, or rental homes have different insurance risks and requirements than a primary, owner-occupied house.
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What is Flood Insurance? How Does it Work?Home insurance doesn’t cover flood damage, but flood insurance does. Learn how flood insurance protects your house.
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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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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 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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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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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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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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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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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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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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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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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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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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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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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.