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
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
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
Premiums are up again in 2026 — averaging $3,057, the fifth straight increase. Here's the discount stack and documentation moves you actually control.
Vacation-proof your home insurance: the water shutoff, thermostat, security, and documentation steps that keep a claim from being challenged.
Some spring maintenance tasks decide whether your next insurance claim gets paid. Here's what to check, document, and fix before storm season.
Spring home buying season is in full swing, which means a few hundred thousand people are about to close on a house and immediately do what every new homeowner does: feel vaguely anxious about everything and do nothing in particular. This issue is for them. And for the rest of
P1-HNW
Multi-property owners face compounding insurance risk in 2026. Here's how to manage documentation, protective devices, and broker conversations across a high-value portfolio.
P2-New-Homeowners
Most homeowners don't realize that skipping HVAC maintenance can void your insurance claim. Here's what carriers look for, what gets denied, and the steps to protect yourself before summer heat peaks.
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When you bought your house, the inspector handed you a 40-page PDF and explained that everything was "functional at the time of inspection." There was a section near the end about items to monitor, things to keep an eye on, systems approaching the end of their useful
homeownership
Water damage is the second most common home insurance claim in the country. Behind wind and hail, it accounts for roughly 29% of all homeowners insurance claims, with an average payout of around $14,000. Your insurer knows this well. Which is why most premium carriers have spent years building
homeownership
New research from the Wharton School published in March 2026 analyzed 70 million insurance policies and found something most homeowners have never been told: credit scores affect homeowners insurance premiums as much as disaster risk. Not slightly. Not marginally. As much as. The numbers are jarring. A homeowner with a
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Insurers are using AI aerial imagery to assess roofs and issue non-renewal notices—without warning. Here's what they flag, what to do if you receive a notice, and how to build documentation that protects your coverage.
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Home insurance premiums are rising again in 2026. Here's what's actually driving the increases—and the specific steps you can take to push back on your rate.
P3-Insurance-Frustrated
Most homeowners qualify for security and water leak detection discounts but never claim them. Here's what's available and how to collect at your next renewal.
P3-Insurance-Frustrated
Water damage is the #2 homeowners claim. A $200 whole-home sensor can prevent damage and unlock 5–20% insurance discounts. Here's exactly how to do it.