Homeowners Insurance Fundamentals

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

map of condo insurance rates by state

Average Cost of Condo Insurance

Based on our research, condo insurance costs $511 a year on average, but rates vary depending on your location and coverage amount.

home insurance rates heatmap

How Much Does Homeowners Insurance Cost?

The average cost of home insurance is $1,903 per year, according to our study of all 50 states.

flooded homes in new jersey

How Much Is Flood Insurance in New Jersey?

Flood insurance in New Jersey costs an average of $78 a month. We can help you understand what it costs and covers.

hurricane evacuation route sign

Hurricane Insurance: How to Cover Your House

Proper hurricane insurance coverage requires a few different policies. Learn how to protect your house from a hurricane.

Man fixing air conditioning

Does Home Insurance Cover AC Units?

Home insurance only covers AC units for damage from a covered peril. This rules out most mechanical breakdowns and maintenance issues.

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.

Large hail collected after storm

Home Insurance and Hail Damage To the Roof

A hailstorm can cause significant damage to your roof. Find out how home insurance covers your home for hail damage.

roof with wind damage

Is Wind Damage Covered by Homeowners Insurance?

Homeowners insurance typically covers most types of wind damage, but there are exclusions.

Damaged property

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

Hazard insurance, also called dwelling coverage, covers the structure of your home. We'll explain how it works.

Tree falls near house after windstorm

Getting Texas Windstorm Insurance

Texas has a high risk for windstorms. The Texas Windstorm Insurance Association provides coverage if you can't get it elsewhere.

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.

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.

calculate replacement cost value

How to Calculate Your Home’s Replacement Cost Value

An accurate estimate of your home's replacement cost is key to getting the right amount of homeowners insurance.

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.

Flooded home

Do I Need Flood Insurance?

Flood insurance is required on some homes and optional for others. Here is key info to help you decide if you need it.

Vacation beach house

Homeowners Insurance for a Second Home

If you have a second house as a vacation or rental home, insuring it can work differently from your primary residence.

Is Homeowners Insurance Required?

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

mobile or manufactured home

Best Mobile Home Insurance

Mobile home insurance protects your investment, but it can be tough to get coverage for older homes. Find out how you can insure your mobile home.

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.

Chicago Condo Insurance

If you own a condo unit in Chicago, you'll want to get insurance for it. We'll explain how it works and how to get it.

unlivable home due to roof damage

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

If you have to relocate while your home is repaired, loss of use helps with the costs. We'll explain how it works.

mold damage covered by home insurance

Does Homeowners Insurance Cover Mold?

Home insurance typically only covers mold, mildew and other rot on a rare, limited basis. Prevention is your best bet.

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 what's covered here.

creating inventory list

How to Create a Home Inventory for Insurance

Having an itemized list of your home's contents ready ahead of time can get you paid sooner for an insurance claim.

newly remodeled living room

Home Insurance, Renovations and Remodeling

Renovating or remodeling your home affects your home insurance rates. Read on to learn how a fix-up changes your premium.

How Does Homeowners Insurance Work?

Everything you need to know to get the right amounts of coverage for your home without overpaying for insurance.

remodeled kitchen

A Guide to Canceling Your Home Insurance

Canceling your homeowners insurance is not difficult, but doing it wrong can be costly. Here's how to avoid mistakes.

beach houses for rent through airbnb

Homeowners Insurance for Airbnb

Updating your insurance coverage is an important step in getting your home ready for a sharing service like Airbnb.

Mortgage statement payment check

Is Home Insurance Included in My Mortgage Payment?

Part of your monthly mortgage payment may go toward your homeowners insurance. Read on to find out how it works.

Red white and blue condos

Condo Insurance Essentials

When you own a condo unit, you usually need HO-6 insurance. Here are key details about how these policies work.

tree falling on home

Homeowners Insurance Coverage for Tree Damage and Removal

Home insurance covers tree damage and removal under certain conditions. We can help you learn the specifics.

image of moving boxes

What Happens to My Homeowners Insurance Policy When I Move?

Moving to a new home is a hassle as it is. We can help you learn about what to do with your old home insurance policy.

Homes damaged by earthquake

What is Earthquake Insurance?

If you live in an earthquake zone, home insurance won't cover the damage. We'll explain how earthquake insurance helps.

landslide on side of mountain

Do I Need Landslide Insurance?

Homeowners insurance doesn’t cover landslides, but another type of insurance may protect your home from landslides.

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.

Stacks of money

How Do Home Insurance Deductibles Work?

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

car with smashed window

Does Home Insurance Cover Theft From My Car?

Homeowners insurance covers the replacement of personal items stolen from your car. We'll explain how it works.

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.

Repairing home foundation

Does Homeowners Insurance Cover Foundation Issues?

Your house’s foundation is covered by home insurance, but there are exclusions. Find out what types of foundation damage home insurance covers.

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 — and it is not without limits.

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What Happens if My Insurance Company Goes Bankrupt?

If your insurance company goes bankrupt, you will still be covered while you find a new insurer. We can explain further.

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.

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.

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.

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.

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.

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.

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.

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.