25 articles
Browse 25 independent guides about home insurance: plain-English explainers, worked examples and tips for comparing insurance coverage.
A home warranty is a service contract that repairs systems and appliances worn out by age. Home insurance pays for sudden damage like fire, storms and theft. Here is how the two differ, what a home warranty costs, and when one is worth it.
FEMA disaster assistance can pay for temporary housing, home repairs and other losses insurance doesn't cover, up to $44,800 for each type. Who qualifies, how to apply, why you file an insurance claim first, and what to expect after Hurricane Isaias.
State Farm and Allstate have filed to resume writing new California home insurance, but approval isn't here yet. How to get home insurance in a California high fire risk area now, from the FAIR Plan to wildfire discounts, and what the new filings could mean for you.
Flood zone X doesn't require flood insurance, but nearly a third of flood claims come from outside high-risk zones. What zone X means, shaded vs unshaded, zone X vs zone AE insurance rates, and how to decide whether to buy flood insurance.
Hurricane Isaias is heading for the Gulf Coast. What homeowners insurance covers in a hurricane, how hurricane deductibles work, why flood is separate, and a step-by-step guide to filing a hurricane insurance claim in Florida, Alabama, Mississippi and Louisiana.
Florida homeowners insurance rates are finally coming down. Citizens cut rates an average 8.7%, more private insurers won approval for decreases in September 2026, and Citizens has shrunk to about 247,000 policies. Why rates are falling and how to make sure your premium drops too.
Senators Warren and Hawley are questioning State Farm, Allstate, USAA and three other insurers about claims closed without payment. Why claims get denied, how to appeal, and where to complain if your insurer won't pay.
The California FAIR Plan's 29.1% average rate increase takes effect October 15, 2026. Who pays more, who may pay less, why it happened, and what homeowners can do before their renewal.
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.
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.
Replacement cost pays to replace what you lost; actual cash value pays what it was worth after depreciation. Here is how each settles a claim, plus extended, guaranteed and functional replacement cost explained.
