HO-3 vs. HO-5: Home Insurance Policy Types Explained
HO-3 and HO-5 differ mainly in how they cover personal property: HO-3 uses named perils,…
Understanding Your Home Insurance Deductible
Home insurance deductibles can be flat or percentage-based, with separate, often higher deductibles for wind,…
How Much Homeowners Insurance Do I Need?
How much homeowners insurance do you need? Learn why dwelling coverage should equal rebuild cost,…
What Homeowners Insurance Doesn’t Cover
Standard homeowners insurance excludes floods, earthquakes, maintenance damage, sewer backup, and more. Learn the common…
Replacement Cost vs. Actual Cash Value in Home Insurance
Replacement cost pays to rebuild at today's prices; actual cash value subtracts depreciation. Learn how…
Dwelling Coverage vs. Personal Property Coverage
Dwelling coverage protects your home's structure; personal property coverage protects your belongings. Learn how each…
What Does Homeowners Insurance Cover?
Homeowners insurance is a package of six coverages. Learn what each part protects (dwelling, personal…
