10 Areas Which Are Not Protected By Most Homeowners Insurance

Most homeowners will experience at least one denied claim in 10 years of owning a home - don't let these be it.

What Kind of Water Damage Does Home Insurance Cover?

Homeowners insurance is key in making sure your home is protected, but you may be surprised to know that not all water damage is covered. It's important to review your home insurance policy to make sure you understand what water damage will be covered so you aren't hit with any financial surprises.

Home Buying 101

Buying a home is an exciting moment in life but it can also be overwhelming. Understanding the basics of the overall process can help to make your home buying experience smooth and enjoyable.

How Will Renovations Affect My Homeowners Insurance?

Making renovations can provide quite a few benefits. Renovations on your home can have a positive effect on your homeowners insurance rates and coverage.

Buying A House In A Disaster Area

Make sure you are aware of the risks when buying a house in a disaster area. Learn the steps to take to protect the home and get the appropriate insurance.

Best Insurance Blogs for 2022

Here are the top 50 insurance blogs you need to check out for what’s cutting in the insurance industry.

Guide to Selling Your Home

Whether you're relocating for work or family, downsizing, or moving into your dream house, there comes a time when it's time to sell your current home. We've compiled the ultimate guide to selling your home to act as a one-stop-shop resource for everything you need to know about selling your home.

12 Ways to Lower Your Home Insurance Costs

A homeowners insurance policy is a vital piece of making sure your home is protected but it doesn't mean you need to pay a significant amount of money for it. There are key ways to lower your home insurance costs, saving you money in the long run.

Most Common Homeowners Insurance Claims

Knowing what other homeowners have experienced can help you to more proactively protect yourself, your loved ones and the property and possessions that make your house a home. We review the most common homeowners insurance claims below and look into ways that some of these events might be avoided or their effects mitigated.

Additional Living Expense Coverage

Additional Living Expense, ALE, coverage pays for some costs that you might incur if a disaster makes your house impossible to live in. It typically provides coverage for the cost of finding temporary relocation such as a hotel or rental and any other related costs.

Guide to Earthquake Insurance

The typical homeowners insurance policy isn't enough to protect you from certain natural disasters, including earthquakes. If you live in an area where earthquakes are common, you'll definitely want earthquake insurance as a crucial addition to your insurance policy.

Is Hazard Insurance the Same as Homeowners Insurance

When you are getting a mortgage on a house, your lender may require hazard insurance. But what is hazard insurance and how is it different from homeowners insurance? Turns out, hazard insurance is a subcategory of most homeowners insurance policies.

Changing Homeowners Insurance After a Claim

Changing your homeowners insurance may offer you lower rates or updated coverage. You can also take a step further and switch insurance companies, even with an open claim. Find out how to navigate this process and the reasons you may wish to switch providers.

Guide to Landlord Insurance

If you own an investment property or plan to rent out your primary residence, you need a landlord insurance policy. Landlord insurance policies not only cover the property in cases of loss, but they can also protect property owners against losses to buildings, personal property, and liability because of injuries on the premises.

Reasons to Check Your Homeowners Insurance Policy in 2021

Reviewing your homeowners insurance policy every year is highly recommended to make sure you have the proper amount of coverage to cover the cost to rebuild or repair your home, replace your belongings, and protect your future should someone file a liability claim against you for injuries or damage to their personal property.

How to Make a Home Inventory

Creating a home inventory allows you to help replace items in the event of theft or natural disaster. You can purchase the amount of insurance you need and file a claim more efficiently when you have a home inventory. Here is how to make a home inventory.

Property Liability Insurance: What Isn’t Covered?

Property owners routinely purchase standard liability insurance coverage to protect them from costly lawsuits. Whenever someone is harmed in your home or on your land, they, or their insurance company, can pursue you for damages.

Using Home Insurance Claim Money - How Can I Spend It?

Home insurance claim money will often come in multiple checks, each with their own set of rules about who can spend them and how they can be spent. This guide to the home insurance claim process will walk you through the types of expenses your insurer might pay for, the steps to filing a claim, who the money goes to, and how any leftover money can be spent. 

Homeowners Insurance for Historic Homes

Ownership of historic homes has become increasingly popular in the U.S. over recent years. However there are some special considerations to keep in mind when it comes to homeowners insurance for a historic home.

Home Insurance on a Second or Vacation Home

Getting homeowners insurance is an important aspect of home ownership that has many details involved. If you are getting insurance on a second home, things can get complicated. We will guide you through the process of getting adequate home insurance coverage for your second home.

Are Bed Bugs Covered by Homeowners Insurance?

Bed bugs are a nuisance that no one likes to deal with. When you find bed bugs in your home, you might wonder if a bed bug infestation is covered by your homeowners insurance.

Hidden Costs Of Remodeling A Home

If you are planning on remodeling or renovating your home, it's critical that you develop an action plan. That way, you can budget accordingly.

Bundling Home And Auto: Does It Really Save You Money?

Many insurance companies offer savings when you bundle your home and auto policies, but does it really save you money? Depending on your situation, it may or may not make sense to look at bundling.

Home Buying For Couples Who Are Not Married

Buying a home is an exhilarating and rewarding experience. It can also be very stressful, particularly for the many younger people in long-term relationships who are choosing to remain unmarried.

When Buying A Home Makes More Sense Than Renting

Buying a house is a big decision that no one should take lightly. In many cases, though, buying a home makes more sense than renting. If you're on the fence about whether you should buy a home, the following five tips will help you make a decision.

Family Budget On An Irregular Income

Getting paid different amounts from one month to the next might complicate your budget, but it shouldn't make budgeting impossible.

Combining Finances With My Significant Other

Most couples give up their financial autonomy when things get serious in their relationship. They might choose to share a bank account or split household bills 50/50. They essentially become a financial union.

10 Things You Can Do To Improve Your Credit Score

A low credit score makes life much more difficult than it should be. Your FICO number helps determine whether you get a mortgage, credit cards and, sometimes, a job. A low credit score also means you will pay higher interest rates and insurance premiums.

Are Credit Repair Companies Too Good To Be True?

Bad credit scores can get in the way of you living your life. You may not be able to get a credit card or car loan, pay more for insurance and run into problems finding apartments or even jobs. The opportunity cost of poor credit can be frustrating.

Should I Buy Renters Insurance If I Live In A Dorm?

Dorm living gives you an excellent opportunity to live independently without worrying about many of the responsibilities that come from finding off-campus housing and dealing with a landlord. However, you do need to think about whether you need renters insurance to protect your belongings in this type of housing.

Top 5 Most Popular Budgeting Apps

There are a plethora of budgeting software options available to consumers. Unfortunately, it can be hard to tell, at a glance, which ones will best meet your needs.

The Unmarried Couple's Guide To Finances

Relationships are complicated. Sure, you enjoy the pleasure and comfort of not having to face the world alone, whether that means having someone to vent to about work or knowing you have a plus-one for your cousin’s wedding next year. When you’re that close, how much do you merge your lives? When do you start living together? And of course, there’s the big debate of finances.

10 Tips For Shopping For Your Family Home

There are many things to consider when purchasing a home, especially if you have a family or are planning for one. Before you go out house hunting, keep some of these tips in mind to help you find your dream home.

Is Foundation Insurance Covered by My Homeowners Policy?

When you own or are buying a house, homeowner's insurance is not optional. But not all homeowner's policies are alike, and most don't cover every significant threat. For instance, if you want coverage for your home's foundation, you'll probably need to purchase additional policies.

A Hurricane Damaged My Home...Now What?

Hurricane season is an unfortunate part of life for parts of the United States. If you live in an area that is prone to hurricanes, it is important that you understand your homeowners insurance policy to make sure you are protected.

What Dog Breeds are Not Covered by Homeowners Insurance

Did you know that the breed of dog you have could affect your ability to get homeowners insurance? Many homeowners insurance companies have a list of dog breeds that are blacklisted from their coverage. Learn more about how to get insurance if you have an aggressive dog breed.

How to Choose a Public Insurance Adjuster

Before your home insurance policy will cover damages, they will often send out an insurance adjuster to assess the damage. Often, the insurance company will supply an adjuster but there may be some instances where you need to choose your own public insurance adjuster.

Renters Insurance for Unmarried Couples

37% of renters have renters insurance, according to the Insurance Information Institute. While that may not seem like an issue, consider that 95% of homeowners have a homeowners insurance policy.