Home Insurance Article Library

If you're shopping for homeowners coverage in Florida, you're in the right place to compare your top options side by side. We did the legwork so you can move from browsing to a shortlist fast.

A mobile home costs a fraction of a traditional house, but insuring one isn't as simple as picking up a standard homeowners policy.

If you own a home or have just bought one recently, and want to get your property and belongings insured, it’s important for you to have a good grasp of what is covered and what isn’t.

If you own your home, it’s one of your biggest investments, so you most likely have homeowners insurance to protect it. Indeed, most mortgage lenders will require you to have a homeowner’s insurance policy.

Choosing the right home insurer in California takes more effort than it used to, but the payoff is worth it when a wildfire or earthquake puts your coverage to the test.

Choosing the right home insurance company in Texas can mean the difference between a smooth claim and a coverage gap when a storm hits.

Rising insurance costs aren't random. Four specific forces are pushing premiums higher, whether or not you've ever filed a claim.

If you’ve glanced at your homeowners insurance renewal statement recently, you’ve probably experienced a familiar wave of sticker shock. And you’re not alone. Countless Americans across the country are watching their insurance premiums skyrocket, often with little explanation beyond vague references to inflation or natural disasters. But what if those price hikes aren’t entirely justified?

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Hazard insurance is the portion of your homeowners insurance policy that covers your home's physical structure against perils like fire, theft, and storms. If your lender requires it, a standard HO-3 policy already satisfies that requirement, though excluded perils like floods may need separate coverage.

Standard HO-3 home insurance covers six categories, including dwelling, personal property, and liability, but excludes floods, earthquakes, and more. Depending on where you live and what you own, you may need additional riders to fill the gaps.