Home Insurance

Browse our articles about home insurance

March 20, 2026

Vacant and Unoccupied Homes: Where Coverage Stops

Most home policies limit or suspend coverage once a property has been empty for a set period. Here is how vacancy clauses work and how to keep coverage.

Home 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.

Scheduling Valuables: Floaters for Jewelry, Art and More

Standard policies cap certain categories far below your overall limit. Scheduling raises the limit and, more usefully, broadens what counts as a loss.

Mobile 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.

Earthquake 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.

Landlord 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.

Insurance 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.

How 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.

Cancellation, 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.

Life 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Insurance is set once and then quietly goes out of date.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.

Umbrella Insurance: Liability Coverage Above Your Limits

An umbrella policy adds liability protection above your auto and home limits. Here is how it attaches, what it adds, and what it will never pay for.

Water Damage: What a Home Policy Covers and What It Excludes

Whether water damage is covered usually turns on one question: was it sudden and accidental, or gradual? Here is where each common scenario falls.

Condo 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.

Renters Insurance: What an HO-4 Policy Actually Covers

Your landlord insures the building, not your belongings or your liability. Here is what a renters policy covers, including away from home.

Wildfire Risk, Defensible Space and State FAIR Plans

Fire is covered by a standard home policy. The harder questions are availability and rating, what mitigation actually changes, and what a FAIR plan is.

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.