Everything you need to know about protecting your home, saving money, and understanding your policy.
Comprehensive guide to home insurance costs across the United States in 2025, including national averages, state-by-state breakdowns, and factors affecting your premium.
Read Full Article arrow_forward
Discover the average home insurance cost for all 50 states. See which states are most expensive and find where your state ranks.
Read Full Article arrow_forward
Weighing the financial risks vs rewards. We break down the real math of self-insurance vs paying premiums.
Read Full Article arrow_forward
Shocking renewal? We expose the hidden culprits behind rising rates—from inflation to your credit score—and how to lower them.
Read Full Article arrow_forward
Is that bargain quote too good to be true? We uncover the trade-offs of budget policies and what you might be sacrificing.
Read Full Article arrow_forward
Confused by your policy? We break down the 6 pillars of protection in a standard policy and the big exclusions you need to know.
Read Full Article arrow_forward
Don't get caught off guard. We reveal the major exclusions in standard policies, from floods and earthquakes to mold.
Read Full Article arrow_forward
Confused by Coverage A vs Coverage C? We explain the difference using the "Upside Down Test" and why it matters.
Read Full Article arrow_forward
From hurricanes to wildfires, we explain which disasters are covered by standard policies and which require extra protection.
Read Full Article arrow_forward
Avoid the underinsurance trap. We explain how to calculate your replacement cost and why market value doesn't matter.
Read Full Article arrow_forward
Stop overpaying for coverage. Start saving hundreds with these 10 actionable tips, from bundling policies to installing security.
Read Full Article arrow_forward
What is a deductible and how does it affect your wallet? We break down standard, percentage, and split deductibles.
Read Full Article arrow_forward
Should you risk a $2,500 deductible to save on premiums? We run the break-even math to help you decide.
Read Full Article arrow_forward
The "multi-policy discount" is the most popular savings trick. Learn how much you can save and when it's better to shop separately.
Read Full Article arrow_forward
Are you accidentally raising your own premium? From small claims to missing discounts, avoid these expensive mistakes.
Read Full Article arrow_forward
Buying your first home? Don't let insurance derail your closing. Here is the ultimate checklist for new homeowners.
Read Full Article arrow_forward
Moving from a house to a condo? Learn the key differences between HO-3 and HO-6 policies, including "walls-in" coverage.
Read Full Article arrow_forward
Turning your old home into a rental? Stop! Standard home insurance will NOT cover you. Learn about DP-3 policies.
Read Full Article arrow_forward
Manufactured homes require specialized insurance (HO-7). Find out how much it costs and why it's higher risk.
Read Full Article arrow_forward
Managing rentals is hard enough without worrying about insurance risks. From liability to loss of rent, here is your guide.
Read Full Article arrow_forward
Think your home is covered for floods? Think again. Learn about NFIP, "rising water," and how to truly protect your home.
Read Full Article arrow_forward
Disaster struck? Don't panic. Here is your step-by-step guide to filing a claim, documenting damage, and getting paid.
Read Full Article arrow_forward
A house fire is traumatic. Knowing the right steps to take in the first 48 hours can help you secure your property and payout.
Read Full Article arrow_forward
Roof leaks are tricky. Coverage depends on whether it's "sudden and accidental" or "wear and tear." Learn the difference.
Read Full Article arrow_forward
Mold is a silent destroyer. Find out when your policy covers removal and when it's considered a maintenance issue.
Read Full Article arrow_forward
Don't just look at the price tag. Learn how to compare limits, deductibles, and exclusions to get the best value.
Read Full Article arrow_forward
We analyzed customer service, claims satisfaction, and financial strength to rank the top home insurance providers for 2026.
Read Full Article arrow_forward
Should you buy insurance in 5 minutes online or spend an hour with an agent? We compare the pros and cons of both approaches.
Read Full Article arrow_forward
Buying a brand new home? You might be eligible for significant insurance discounts. Learn what coverage you need during and after construction.
Read Full Article arrow_forward
Is home insurance legally required? Find out the difference between state laws and lender requirements, and why cancelling coverage is risky.
Read Full Article arrow_forward
Confused by insurance jargon? Our comprehensive A-Z glossary explains everything from 'Actual Cash Value' to 'Windstorm Deductibles'.
Read Full Article arrow_forward
Why is my insurance dwelling limit higher than what I paid for my house? We explain the crucial difference between Market Value and Replacement Cost.
Read Full Article arrow_forward
Want to save money? Here are 20 actionable ways to lower your home insurance premium without sacrificing coverage.
Read Full Article arrow_forward
What happens if you get sued for $1 million? We explain how Umbrella Insurance protects your life savings for pennies a day.
Read Full Article arrow_forward
Leaving a home empty for more than 30-60 days? Standard home insurance will likely deny your claim. Learn how to protect a vacant property.
Read Full Article arrow_forwardJoin thousands of homeowners getting the latest money-saving tips and insurance updates directly to their inbox.