33 articles
Home and renters insurance guides covering dwelling and contents coverage, liability, common exclusions and how to lower your premium.
Flood insurance is only required in some cases, but floods don't stop at a map line. Here's how to work out whether you need a policy, how much flood insurance you need, and what drives flood zone AE rates.
Standard renters insurance excludes flood, including most flooded basements. Here is which water damage it does cover, how renters flood insurance works, and what to buy before the next storm.
Landlord insurance usually costs about 25% more than homeowners insurance on the same property. Here is why, what drives the price, whether you need it, and which tenant damage it actually pays for.
Insuring an older mobile home is harder than insuring a newer manufactured home, especially one built before 1976. Here is why insurers hesitate, what coverage looks like, and the upgrades that open doors.
Renting your home on Airbnb or Vrbo can void parts of a standard homeowners policy. Here is what short-term rental insurance covers, how it differs from AirCover and landlord insurance, and what renters who host need to know.
All Other Perils is the flat deductible on a home policy, and it is the one that does not apply to the claim you are most likely to make in a storm state.
Most people weigh renters insurance against what their belongings are worth. That is the wrong calculation, and it is why the honest answer is almost always yes.
A smashed window is your auto policy. The laptop that was on the seat is your renters policy. One break-in, two claims, two deductibles, and often neither is worth filing.
Infestations are excluded from every standard renters policy as a maintenance issue. Who is actually responsible, what the lease says, and what you can do.
Loss of use pays the additional cost of living elsewhere after a covered loss. What counts, what does not, and the parts tenants routinely forget to claim.
Renters liability pays when someone else is hurt in your home or by your actions. Your own injuries are your health insurance, and the naming confuses everyone.
Theft is covered wherever it happens and forced entry is usually not required. The category sublimits are where claims disappoint, and cash is capped at almost nothing.
Home and renters insurance protect the place you live and everything in it, but the policies are full of limits, exclusions and separate deductibles that only surface after a loss. This section explains them in plain English.
Start here. What home insurance actually covers is the best first read. Follow it with your homeowners insurance deductible and replacement cost vs actual cash value, which together decide how much a claim really pays.
Water, flood and storms. Most expensive surprises involve water. Do I need flood insurance? explains flood zones and how much cover to buy, and our news coverage of hurricane damage and homeowners insurance covers hurricane deductibles and claims.
Renters. If you rent, start with do I need renters insurance? and the renters insurance guide, then use our short answers to specific questions, such as theft, mold and hotel stays after a loss.
Landlords and special properties. Landlord insurance cost, dwelling insurance, short-term rental insurance and older mobile home insurance cover the situations a standard homeowners policy doesn’t.
State guides for Georgia, New Jersey, Ohio, Colorado and Indiana explain local risks and pricing.
Rates and availability change quickly, especially in hurricane and wildfire states. Use these guides to understand your options, then get current quotes for your address.
