Standard homeowners insurance won’t cover flood damage. First-time buyers in flood-prone areas need three layers: a base policy, NFIP flood coverage, and excess protection.
Jun 17 2026
Read MoreWater damage claims average $15,400, but finished basements often cost far more to repair. See why standard homeowners policies underinsure your space.
Jun 11 2026
Read MoreStandard homeowners insurance won’t cut it for pool owners. Find out why $300,000–$500,000 in liability coverage is the minimum, plus the best way to layer protection.
Jun 3 2026
Read MoreThe average burglary payout is $5,524—but deductibles, sublimits, and depreciation can shrink that fast. See what your policy actually covers, room by room.
May 21 2026
Read MoreA standard homeowners policy caps business equipment at $2,500—but your setup likely costs more. Here’s how to close the gap.
May 19 2026
Read MoreWhen fire or storms make your home unlivable, loss of use coverage pays for temporary housing—but only if your dwelling limit is at least 20% higher. See what’s actually covered.
May 17 2026
Read MoreSouthern coastal premiums jumped 25%+ since 2019, but Florida’s 1% increase in 2024 shows affordable options still exist. Here’s where to look.
May 15 2026
Read MoreTwo in three U.S. homes are underinsured. Most first-time buyers set coverage by purchase price instead of rebuild cost—a costly error that surfaces during claims.
May 14 2026
Read MoreYour HO-3 policy covers tree damage to your home’s structure when wind, lightning, or ice caused the fall—but tree removal limits cap out around $500–$1,000 per tree.
May 9 2026
Read MoreDwelling coverage protects your home’s main structure, while other structures coverage (typically 10% of your dwelling limit) covers detached buildings like garages and sheds.
May 8 2026
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High-value homes can get 20–100% over the dwelling limit. Standard extended replacement caps at 25%. See when the premium increase actually pays off after a total loss.
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Insurance costs for rental properties jumped 75% since 2019. Learn what coverage single-family landlords actually need to avoid costly claim denials.
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97.3% of homeowners claims are property-damage related. Learn what your standard HO-3 policy covers and what it excludes in 2026.
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Standard policies exclude flood, earthquake, sewer backup, and pest damage by default. See which gaps cost $1,000–$2,000+ to fill and why most claims get denied.
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Learn about scheduled personal property endorsement. Discover what valuables it covers, how it differs from standard policies, and when you truly need it.
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Yes, you can get homeowners insurance after a hurricane in Louisiana, but availability depends on location, claims history, and carrier underwriting.
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