P3-Insurance-Frustrated
Your carrier's rate increase was filed with your state, and it's public. How to find it, read it, and split the statewide part from the part about your home.
P2-New-Homeowners
A protective device discount is a filing, not a reward. Here's what your carrier needs, the exact request language, and how to confirm it landed.
The Home Page
Labor Day weekend is the last honest weekend of the year, the one where you can still pretend the gutters are a September problem. This month is mostly about paperwork, which is unglamorous and also where the money is. [Editorial] The heat pump tax credit is gone, and some contractors
homeownership
Your home has a seven-year claims file called a CLUE report, and carriers price your policy off it. 86 percent of Americans do not know a previous owner's claims affect their premium. Here is how to pull yours.
homeownership
The average 2026 escrow shortfall is $2,157, or about $180 a month. Here is how escrow analysis works, where servicers get it wrong, and the four moves that lower the number.
homeownership
Section 25C and 25D expired December 31, 2025. Federal heat pump tax credits are gone in 2026, but state HEAR and HOMES rebates are not. Here is what changed and what to ask before you sign an HVAC quote.
newsletter
It is peak hurricane season and the hottest stretch of the year, which is exactly when the parts of your policy nobody reads tend to make themselves known. So this month is about three of them, all quiet, all expensive, all fixable in about ten minutes each. Editorial Your insurer
P2-New-Homeowners
Leak sensors earn 3-5% off homeowners premiums; auto-shutoff valves 7-10%. The device tiers, approved lists, and payback math, explained.
P3-Insurance-Frustrated
Lightning is covered — but the average claim just hit $26,616. Two cheap steps decide whether yours pays out in full or gets shortchanged.
homeownership
Most homeowners can tell you their deductible off the top of their head. A thousand dollars, maybe five hundred. What they usually do not know is that for wind, hail, and named storms, that number may not apply at all. A separate hurricane deductible, written as a percentage of your
homeownership
If you bought your house with less than twenty percent down, you are almost certainly paying private mortgage insurance, and there is a good chance you are still paying it after you no longer have to. Learning how to cancel PMI is one of the few pieces of homeowner paperwork
homeownership
There is a line in your homeowners policy that most people never read, and over the last two years insurers have been quietly rewriting it. It concerns how they pay for a damaged roof. If your policy now settles roof claims at actual cash value instead of replacement cost, a