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Medicare can be complicated. Explore our guides to basic coverage, supplement plans, Medicare Advantage, and more.
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Life Insurance
We break down barriers to understanding life and final expense policies. View guides or read reviews of popular plans.
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Auto Insurance
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Home Insurance
Homeowners insurance doesn't work like you might think - we've done our homework to understand the policy options and benefits out there. Start by scouting your options, or viewing our reviews.
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Homeowner's Insurance Buyer's Guide
Get the right information to make the best choices for your needs.
Popular Home Insurance Topics
Common Home Insurance Questions
1.
What does home insurance cover?
Generally speaking, homeowners insurance provides overall coverage for the structure of your home. A basic policy offers coverage for damages to your home and belongings inside it for events like fires, storms, explosions, etc. There are different types of homeowners insurance policies that provide more comprehensive coverage for a wider range of events.
2.
Am I required to have home insurance?
Technically, no. You are not legally required to have homeowners insurance however, if you have a mortgage on your home then your lender will most likely require you to have some homeowners insurance coverage in order to be approved for the loan.
3.
How much home insurance coverage do I need?
A calculation can be done to determine how much coverage you will need based on a few different factors that indicate how at-risk your home is to be damaged.
4.
What factors can affect my home insurance premiums?
These factors include location and weather, the value and type of personal property that you keep within your home as well as potential liability risks within your home such as pools, etc.
5.
How can I lower the cost of my home insurance?
There are a number of ways to reduce the cost of your homeowners insurance but the first thing you can do is to shop around and compare for the best price. Policy Scout experts can help you get the right plan in the budget that works for you.
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