Home Insurance
Browse our articles about home insurance
Captive Agents, Independent Agents and Buying Direct
Who an agent represents and how they are paid shapes what you are shown. Here are the four distribution channels and what each is good for.
Read MoreBuilding a Home Inventory Before You Need to File a Claim
After a loss, proving what you owned is your job. A home inventory is the practical way to do it, and it takes an afternoon to create.
Read MoreCancellation, Non-Renewal and Why a Coverage Lapse Matters
Cancellation and non-renewal are different things with different rules. Here are your notice rights, and what a gap in coverage sets in motion.
Read MoreCondo Insurance: How an HO-6 Fits With the Master Policy
Condo coverage is split between the association's master policy and your own HO-6. Where the line falls depends on bylaws most owners never read.
Read MoreEarthquake Insurance: Separate Policy, Separate Deductible
Earthquake damage is excluded from standard home policies. Separate coverage works differently, starting with a percentage deductible and a 72-hour clause.
Read MoreFiling a Home Insurance Claim: What to Expect Step by Step
The sequence a property claim follows, your duty to prevent further damage, how payment arrives in stages, and what to do when you disagree.
Read MoreHome Liability: Pools, Dogs, Trampolines and Guests
Liability is the part of a home policy people think about least and need most. Here is how it works and which features raise the exposure.
Read MoreHome Warranty vs Home Insurance: What Each One Covers
They sound similar and do opposite jobs. Insurance responds to sudden accidental loss; a warranty is a service contract for mechanical breakdown.
Read MoreHow Much Dwelling Coverage Do You Actually Need?
Coverage A should reflect what it costs to rebuild your home, not what it would sell for. Here is why those differ and how the limit drifts over time.
Read MoreHow to Read Your Declarations Page Line by Line
The declarations page is the authoritative summary of what you actually bought. Here is what each section means and which lines are worth checking.
Read MoreHow to Shop for Insurance: What to Gather First
Requesting quotes is quick once you have the right information in front of you. Here is what to collect and the one mistake that makes the exercise useless.
Read MoreInsurance Fraud Awareness: Staged Crashes and Storm Chasers
How common insurance fraud schemes work on both the auto and property side, the documented warning signs, and where to verify and report.
Read MoreLandlord Insurance: Dwelling Fire Forms and Loss of Rents
A homeowners policy is written for owner-occupants. Renting a property out generally needs a dwelling fire form, and the differences are substantial.
Read MoreLife Events That Should Trigger an Insurance Review
Insurance is set once and then quietly goes out of date. These are the events that change what you need, and none of them reach your insurer on their own.
Read MoreMobile and Manufactured Home Insurance Explained
Manufactured home coverage varies more than site-built housing, starting with valuation and wind. Here is what to check before you rely on a policy.
Read MoreThis content is for general informational purposes only and is not insurance, legal, or financial advice. Coverage, exclusions, eligibility, and pricing vary by insurer, by policy, and by state, and only the policy documents control what is covered. Always confirm the details of any coverage with a licensed insurance agent or the issuing carrier before you buy.