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.
Homeowners Insurance Fundamentals
Learn the fundamentals of homeowners insurance including deductibles, coverage limits, riders, flood insurance, and more.
Home insurance usually covers wildfire damage, but there are exceptions and limits. This article can help clear the air.
Personal liability insurance is part of homeowners insurance and can cover property damage and bodily injury if you are found responsible.
Building or renovating a home? This guide covers the types of insurance you or your contractor need for your protection.
You may feel the need to cancel your home insurance, but doing it wrong can be risky. Learn here how to do it right.
Knowing how your home insurance covers you is as important as what it covers. We can help you understand how it works.
Mobile home insurance protects your investment, but it can be tough to get coverage for older homes. Here are the basics.
Standard home insurance covers fire damage, but less so if you’re in a high fire risk area. This may limit your coverage.
In the event of a flood, home insurance won’t cover your damages. Learn here how flood insurance picks up the slack.
Home insurance covers a lot of plumbing damage, but only if it’s sudden and accidental. Wear and tear isn’t covered.
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, second, or rental homes have different insurance risks and requirements than a primary, owner-occupied house.
If you use your home as an Airbnb rental, homeowners insurance doesn't provide enough coverage. Here are more options.
Hazard insurance covers the structure of your home, and mortgage lenders often require it as a condition of your home loan.
There’s no law that says you need home insurance, but your mortgage provider will probably require you to get coverage.
Having a home business brings insurance needs that home insurance may not cover. Learn here about your options.
Your home insurance declaration page is a valuable tool that has many uses. Learn here how to navigate it to your benefit.
Homeowners insurance protects you, your home and your family. Coverage can help you recover if the things important to you are damaged.
A flood is one of the most destructive disasters that can happen to a home. Do you need flood insurance, and how much?
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.
Remodeling can affect your home insurance rates. Find out which home improvements will cost or save you money.
If your car is broken into, does your home insurance cover it? Learn here how personal property coverage helps you.
Home insurance is often limited in what mold damage it covers. Learn here what coverage home insurance provides for mold.
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 insurance covers your belongings from theft, fire, and many other threats. Learn here what's covered.
A home inventory makes it easier to file homeowners insurance claims and can help you find gaps in your coverage.
If you have the misfortune of having your identity stolen, identity theft insurance can assist you in paying to fix it.
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.
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.
Condos require very specific homeowners insurance. Learn how it works, what coverage you need and how much it costs.
Most Texas mortgage lenders require homeowners to have windstorm insurance. Learn here if you need it and how to get it.
Home insurance doesn’t cover earthquake damage. Read on to find out what earthquake insurance is and if you need it.
If you find yourself unable to remain in your home after a disaster, loss of use coverage can help pay your additional expenses.
Based on our research, condo insurance costs $488 a year on average, but rates vary depending on your location and coverage amount.
Termites can cause costly damage to your home. Learn here when your home insurance covers it and how to prevent it.
All dogs can bite, regardless of breed and temperament. Here's what dog owners should know about the coverage home insurance provides.
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.
Moving can be such a stressful time for homeowners. Learn what happens to your homeowner's insurance policy when you move.
Homeowners insurance typically doesn't cover the wear and tear of your appliances. Find out how home appliance insurance can cover them.
Insurance riders can help protect your most valuable items. Here’s when to add one to your home insurance policy.
Actual cash value and replacement cost home insurance policies pay out very differently. That difference can save you money.
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.
Is your home covered for wind damage? How much of it will your homeowners policy cover? Read on to find out.
If you own a home in New Jersey, flooding is a threat. If you’re wondering if you need flood insurance, read this guide.
Your deductible affects how much your home insurance costs. Here’s what you need to know to pick the right deductible.
Damaged foundations are costly and relatively common. Find out what types of foundation damage home insurance covers.
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.
Hail can cause significant damage to your home. Find out how homeowners insurance covers you after a hailstorm.
When buying a house through a mortgage lender, part of your monthly payment to them covers your home’s taxes and homeowners insurance.
Worried that your policy evaporated when the housing bubble burst? Learn what your state does to protect you if your insurance company goes under.