Home Insurance

Browse our articles about home insurance

June 29, 2026

Insuring an Older or Historic Home: HO-8 and Rebuild Cost

Older homes cost more to rebuild than to buy and raise specific underwriting issues. Here is what an HO-8 form does and when replacement cost is not available.

What Home Underwriters Look For Before They Write a Policy

Eligibility comes before price. Here are the features of a house that can lead an insurer to decline, restrict or require repairs, and what usually resolves them.

Insuring a Second Home or Vacation Property

A secondary residence is underwritten differently from a primary one, mostly because nobody is there. Here is what changes and how rental use complicates it further.

Coinsurance and Insurance to Value: The 80 Percent Rule

Underinsuring a home can reduce what you collect on a partial loss, not just a total one. Here is how a coinsurance clause works and why replacement cost provisions depend on it.

Sinkholes, Landslides and the Earth Movement Exclusion

Standard home policies exclude earth movement, which covers far more than earthquakes. Here is what falls inside the exclusion and how Florida treats sinkholes differently.

Mold: What a Home Policy Covers and What It Caps

Mold coverage is usually excluded and then partly bought back with a low sublimit. Here is how causation decides a mold claim and what the limited fungi endorsement does.

Coverage B: Sheds, Fences and Detached Garages

Other structures coverage is usually a percentage of the dwelling limit, and it is easy to outgrow. Here is what counts as a separate structure and what falls outside it.

Sublimits: Where Your Personal Property Coverage Runs Out

Coverage C has a headline limit and a set of much smaller caps hidden inside it. Here are the categories that are capped and what to do about the ones that matter to you.

Home Inspections Insurers Ask For: 4-Point and Wind Mitigation

A four point inspection decides whether an insurer will write the policy. A wind mitigation inspection affects what you pay. Here is what each one looks at.

When a Tree Falls: Whose Insurance Pays for What

A neighbour's tree on your roof is usually your claim, not theirs. Here is how home policies handle fallen trees, removal costs, and damage to the landscaping itself.

Solar Panels, Batteries and EV Chargers on a Home Policy

Rooftop solar, home batteries and EV chargers change what your dwelling limit needs to be. Here is how ownership, leases and power purchase agreements affect coverage.

Home Policy Endorsements Worth Knowing About

Service line, equipment breakdown, water backup and identity theft endorsements fill specific holes in a standard home policy. Here is what each one does.

Water Backup and Sump Pump Failure: The Endorsement You Add

A standard home policy excludes sewer backup and sump pump failure. Here is what the water backup endorsement adds, how its sublimit works, and where it stops.

Boat and Watercraft Insurance: What a Home Policy Will Not Do

Homeowners policies cover only small boats, and only barely. Here is how watercraft coverage is structured, what navigational limits mean, and what a lay-up period is.

Moving to a New State: What Changes for Your Insurance

Insurance is regulated state by state, so a move changes your required coverages, your policy forms and sometimes your insurer. Here is the sequence.

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.