Smart home insurance discounts are becoming more popular as homeowners adopt technology that makes their properties safer and more efficient. Many insurance companies now offer reduced premiums for installing smart security systems, leak detectors, and other devices that help prevent costly damages. These discounts can lead to significant savings while also enhancing home protection. By … Read more
Understanding what a home insurance deductible is, when it applies, and how to choose one can be confusing. We’ll help you feel confident in choosing a home insurance deductible that’s right for you. What is a home insurance deductible? Your home insurance deductible is how much you’ll pay out-of-pocket for a covered home insurance claim … Read more
Owning a home is a big responsibility, and part of that responsibility is protecting your investment with insurance. We’ll help you learn how you may be able to lower your rate. Homeowners insurance can help pay for unexpected damage to your home, theft of your belongings, and more. While it can seem expensive, every homeowner can … Read more
The home insurance market shifted meaningfully in 2025. After several years of steep premium increases and capacity constraints, the industry showed early signs of stabilization as carriers regained profitability and cautiously expanded availability in some regions. Still, premiums remain historically high, climate risks continue to intensify, and homeowners are taking on more financial responsibility through … Read more
Filing a homeowner’s insurance claim can be an overwhelming experience, especially when dealing with damage to your most valuable asset; your home. Understanding how to navigate the claims process effectively can make a huge difference in getting the compensation you deserve without unnecessary delays or hassles. Whether it’s from storm damage, fire, theft, or other … Read more
How much home insurance you need depends on the cost to fully rebuild your home’s structure, replace your belongings, and protect your personal assets from liability lawsuits. Ideally, the dwelling coverage portion of your policy should equal 100% of your home’s estimated replacement cost — which is different from its market value — to make sure you can rebuild after a total … Read more
When damage or disaster strikes your home, you expect to rely on your home insurance claim to help cover the costs. Unfortunately, many homeowners find that their claims are denied. Understanding the most common reasons for denial can help you avoid these situations and make sure you’re prepared if the unexpected happens. Top 5 Reasons … Read more
Winter Storm Fern is barreling toward the Northeast, and if you’re in its path, you may be focused on stocking supplies, salting walkways and winterizing pipes. But before the storm hits, there’s one more critical step: understanding what your homeowners insurance actually covers. Most policies include benefits you’ve never tapped — emergency hotel stays if … Read more
If you’re thinking of breaking up with your insurance provider, you’re not alone. The “It’s not you, it’s me” conversation might actually be warranted when your premium keeps climbing while your coverage stays the same. Indeed, home insurance companies bank on their customers’ inertia — sometimes changing providers is exactly what you and your home … Read more
Most people who are purchasing a house want to know, “Is homeowners insurance necessary?” Or, more specifically, “Is homeowners insurance required by law?” The answer depends on the situation. Regardless, having coverage for you, your home and your visitors is always a good idea. Otherwise, you’ll have to pay out of pocket if any unexpected … Read more