12 articles
Expert guides, comparisons and tips tagged "home insurance".
home insuranceAll 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.
home insuranceDwelling fire policies cover the building without the homeowners package around it. The three forms, what each leaves out, and why landlords and vacant homes end up here.
home insuranceThe honest answer is that the purchase price is close to irrelevant. What decides the premium is the rebuild cost, the roof, the state and the deductible structure.
home insuranceMost policies now carry two or three deductibles, and the percentage one is the one nobody has read. How they work, what raising them actually saves, and where the line sits.
home insuranceA house in Savannah and a house in Marietta are priced by completely different risks. Coastal wind deductibles, north Georgia hail, and the lightning exposure nobody mentions.
home insuranceNew Jersey premiums are moderate for the Northeast and the coverage gap is severe. Most of the state's flood exposure sits outside the mapped high-risk zones, where nobody is required to buy.
home insuranceOhio is one of the more affordable states to insure a house in. The claims that actually cost Ohio homeowners money are hail and sewer backup, and one of those is excluded by default.
pet insuranceDog bite liability sits under homeowners or renters insurance, not pet insurance. Breed exclusions, what limits to carry, and cover for excluded breeds.
home insuranceHazard insurance is not a separate policy. It is the dwelling part of your homeowners insurance, and it is the part your lender actually cares about.
home insuranceAn Allstate homeowners quote takes minutes online, but the form guesses at your roof and skips discounts. How to get a number that survives underwriting.
insurance newsPremiums rose across auto, home and health. What's driving it, how to tell a market increase from a problem with your own file, and what actually works.
home insuranceA standard home policy is six coverages and a long exclusion list. What each covers, worked examples of where claims fall short, and the endorsements worth buying.