25 articles
Page 2 of 3 of our guides about home insurance: plain-English explainers, worked examples and tips for comparing insurance coverage.
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.
Dwelling 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.
The 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.
Most 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.
A 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.
New 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.
Ohio 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.
Dog bite liability sits under homeowners or renters insurance, not pet insurance. Breed exclusions, what limits to carry, and cover for excluded breeds.
Hazard 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.
An Allstate homeowners quote takes minutes online, but the form guesses at your roof and skips discounts. How to get a number that survives underwriting.
Premiums 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.
