)
State Farm, California, and Consumer Advocates Reach Agreement on 2025 Emergency Rate Hike
A 17% homeowners insurance increase will stand, but some condo owners and landlords will see refunds.
|March 12, 2026
)
Umbrella Insurance Policy: What It Is and How It Protects You
An umbrella policy provides coverage beyond the limits of standard liability policies. Not every homeowner needs umbrella insurance, and it’s best suited for people with significant assets.
|March 12, 2026
)
Hazard Insurance: What It Is and How It Works
Hazard insurance represents the portion of your homeowners insurance policy that helps pay to rebuild or repair your home after damage from a covered peril.
|March 10, 2026
)
Actual Cash Value: What It Means for Your Home Insurance
Actual cash value coverage pays for damaged property based on its depreciated value, not the cost to replace it new.
|March 9, 2026
What Does Home Insurance Cover?
Home insurance covers your home, belongings, liability, and living expenses after covered losses — but it doesn’t cover every type of damage.
|March 9, 2026
)
What Is a Home Insurance Declaration Page?
A homeowners insurance declaration page serves as proof of coverage and summarizes key policy details like coverage, coverage limits, and deductibles.
|March 9, 2026
)
Types of Homeowners Insurance Policies
Eight different policy forms are available to protect every kind of home.
|March 8, 2026
)
How Much Condo Insurance Do You Need?
The amount of condo insurance you need depends on the level of protection you need to cover your condo and belongings, minus whatever coverage your association’s master policy provides.
|March 8, 2026
)
What Is Condo Insurance?
Condo insurance is a type of homeowners insurance product that covers your personal belongings and provides additional living expenses and personal liability coverage.
|March 8, 2026
)
What Is a Deductible in Homeowners Insurance?
Home insurance deductibles typically range from $500 to $2,000.
|March 8, 2026
)
How Much Homeowners Insurance Do You Need?
You should consider the cost to rebuild your home, the value of your assets, and your risk tolerance to decide the amount of homeowners insurance you need.
|March 8, 2026
)
How Much Dwelling Coverage Do You Need?
The amount of dwelling coverage you need depends on rebuilding costs — not your home’s market value.
|March 8, 2026
)
How Much Is Homeowners Insurance on a $300,000 House?
The average annual home insurance premium for a $300,000 home is $2,580, but costs can vary based on location, credit history, coverage limits, and more.
|March 8, 2026
Can You Cancel or Withdraw a Home Insurance Claim?
Most insurance companies allow you to withdraw a home insurance claim. But even a canceled claim can affect your future premiums.
|March 8, 2026
)
How Much Is Homeowners Insurance on a $400,000 House?
The average cost to insure a $400,000 home is $3,276 per year.
|March 8, 2026
)
Why Is My Homeowners Insurance So Expensive?
Inflation and natural disasters have increased the price of home insurance premiums across the country, but you can still find ways to save.
|March 8, 2026
)
Is Homeowners Insurance Required?
Home insurance isn’t a legal requirement. But most mortgage lenders will require you to purchase a policy as a condition of your loan.
|March 8, 2026
)
8 Home Improvements to Lower Home Insurance Costs
Security systems, smoke detectors, and new plumbing don’t just make your home a safer, more comfortable place. Some upgrades can also reduce your home insurance premium.
|March 8, 2026