Home Insurance

Browse our articles about home insurance

May 7, 2026

Insuring a Student Away at College

A student who moves to campus stays on the family policies in some ways and not others. Here is what changes for belongings, liability and the car.

When You Disagree With the Adjuster: Your Options

Disputes about the amount of a loss and disputes about whether it is covered follow different paths. Here is the escalation ladder, in order.

Renovating a Home: Coverage During and After the Work

A renovation changes three things at once: your rebuild cost, your liability exposure, and who is on the property. Here is what to handle before work starts.

Running a Business From Home: Where the Policy Stops

A homeowners policy covers a residence, not a business. Here is the business property sublimit, the liability gap, and the three ways people close them.

Frozen Pipes and Ice Dams: Winter Property Claims

Freeze claims are generally covered, with a condition attached: you have to have taken reasonable steps to prevent them. Here is what that means in practice.

Loss of Use: What Additional Living Expense Pays For

When a covered loss makes your home unlivable, Coverage D pays the extra cost of living elsewhere. Here is what counts as extra, and what limits the clock.

Escrow, Lender Requirements and Force-Placed Insurance

How your insurance gets paid through a mortgage escrow account, what your servicer must do before buying coverage for you, and how to undo it if they have.

Buying Your First Home: The Insurance Timeline

Insurance has to be in place before closing, and the decisions that shape it start earlier than most buyers expect. Here is the sequence, step by step.

Ordinance or Law Coverage: Rebuilding to Current Code

Your policy rebuilds what you had. The building department requires what the code says now. Ordinance or law coverage is what pays for the difference.

Roof Age, Roof Claims and Payment Schedules

The roof is the part of a home policy most likely to be settled differently from everything else. Here is how age changes what a storm claim pays.

Home 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.

Will Filing a Claim Raise My Insurance Rate?

Sometimes, and it depends on more than whether you were at fault. Here is what actually drives the answer on both auto and home policies.

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.

How 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.

Short-Term Rentals and Your Home Insurance Policy

Renting your home to paying guests is generally a business use. Here is how the exclusion works, what endorsements exist, and why platform coverage is not enough.

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.