Home Insurance

Browse our articles about home insurance

August 10, 2026

Title Insurance, PMI and Homeowners Insurance Compared

Three products a buyer pays for at closing, protecting three different parties against three different risks. Here is what each one does and who it actually protects.

Quotes, Binders, ID Cards and Policies: The Documents

A quote is not coverage and an ID card is not a policy. Here is what each insurance document proves, when it takes effect, and which one a lender or officer wants.

Loss Assessment Coverage: When the Association Sends a Bill

When a condo or HOA charges owners for a shared loss, loss assessment coverage pays your share. The built-in limit is small, and the deductible sublimit is smaller.

Bundling Home and Auto: What Multi-Policy Actually Does

A multi-policy credit is only part of what bundling changes. Here is how the discount is applied, what a single loss deductible does, and when splitting still wins.

Nannies, Housekeepers and Household Employees

Hiring someone to work in your home can make you an employer. Here is where a homeowners policy responds, where workers compensation takes over, and how the two interact.

The Additional Coverages Buried in Your Home Policy

Past Coverages A through F sits a list of small, specific coverages most homeowners never read. Several of them pay for things people assume are not covered at all.

Binding Restrictions: Why Coverage Closes Before a Storm

Once a storm is named and forecast to threaten an area, insurers stop writing and changing policies there. Here is how the restriction works and how to stay ahead of it.

Insuring a Home Under Construction: Builders Risk

A standard homeowners policy is written for a finished, occupied house. Here is what builders risk covers during construction and who is supposed to buy it.

Termites, Rodents and Pests: Why Policies Exclude Them

Insect and vermin damage is excluded from standard home policies as a maintenance issue. Here is where the exclusion stops, and what the collapse exception really covers.

After a Burglary: How a Home Theft Claim Works

Theft is a covered peril, but it is the peril where sublimits bite hardest. Here is the claim sequence, the categories that are capped, and the common denial reasons.

Lightning, Power Surges and Damaged Electronics

Lightning is a named peril on every home policy. Surges from other causes are treated differently, and the exclusion that follows is easy to miss until a claim.

Hiring a Public Adjuster: When It Helps and What It Costs

A public adjuster works for the policyholder rather than the insurer, for a percentage of the claim. Here is when that makes sense and how the three adjuster roles differ.

How Insurance Billing Works: Payment Plans, Fees and Cancellation

Installment fees, down payments, escrow and premium finance all change what you actually pay. Here is how billing is structured and what a missed payment triggers.

Property Away From Home: Cars, Storage Units and Travel

A laptop stolen from your car is usually a home or renters claim, not an auto one. Here is how off-premises personal property coverage works and where it is reduced.

Credit-Based Insurance Scores: What They Are and Where They Apply

A credit-based insurance score is not a credit score, and several states restrict or prohibit its use. Here is what goes into one and what rights you have.

This 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.