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Experience
- Auto insurance
- Homeowners insurance
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About Sarah's expertise
Sarah Archambault enjoys helping people figure out how to manage their finances and credit. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans. Her work has been featured on Credit Karma, Experian, LendingClub, Sound Dollar and USA Today Blueprint. She also writes for national insurers, banks and financial institutions like Aetna, MassMutual, Stripe, and UnitedHealthcare.
Sarah has been a contributor at Insurify since December 2022, where her work focuses on helping readers make confident decisions about their insurance policies.
Featured Work
Experian: Travel Insurance for Hawaii
Credit Karma: What is a mixed credit file?
Our Editorial Guidelines
Insurify’s content goes through a rigorous editing and fact-checking process that includes reviews by insurance agents, data scientists, and multiple editors with years of experience in insurance and personal finance. We vet every article and report for: accuracy, educational value, objectivity, enjoyability.
Learn more about our editorial team and editorial guidelines here.
Sarah's latest posts
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Same-Day Car Insurance: Get Coverage and Proof in Minutes
If you need quick coverage, you can purchase a same-day car insurance policy from many major insurers.
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Best Car Insurance for Doctors
Progressive, Farmers, and Liberty Mutual are some of the car insurance companies that offer discounts for doctors.
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Cost of Jeep Insurance
The overall average cost of car insurance for a Jeep is about $160 per month, but rates vary based on driving history, age, vehicle model, and more.
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Car Insurance for Mexico: What You Need to Know
Buying Mexican car insurance is necessary if you’re going to drive in Mexico. Here’s what you need to know before your next trip.
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Cost of Tesla Car Insurance
On average, full-coverage insurance for a Tesla costs $268 per month from standard insurers. Rates from insurance purchased directly from Tesla vary based on real-time driving habits.
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How to Cancel Your Allstate Auto Insurance Policy
You can cancel your Allstate car insurance at any time, but you’ll have to contact customer service or an agent to end your coverage.
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What Is Gap Insurance for Cars, and Do You Need It?
Gap insurance kicks in if you total your car or someone steals it — covering the difference between your insurance payout and what’s left on your loan or lease.
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Car Insurance for Immigrants: What to Know
Foreign drivers can get car insurance from rental car agencies or U.S. insurance companies, but the process may vary by state and by your immigration status.
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Cheapest Auto Insurance in Long Island, New York
CSAA offers the cheapest liability-only insurance in Long Island, at $136 per month.
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Best Car Insurance Companies for Discounts
USAA, American Family, and AAA have some of the best discount availability, based on more than 85,000 Insurify customer reviews.
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Best Car Insurance Companies for Customer Service
American Family, USAA, and Travelers offer the best car insurance for customer service, based on 85,000+ reviews from Insurify customers.
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Cheapest Van Insurance
The cheapest car insurance company for a van depends on a variety of factors, including the van’s make and model, your location, and your driving record.
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Does Car Insurance Cover Hail Damage?
Car insurance generally covers hail damage if you have comprehensive coverage.
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Car Insurance for Expats
Your insurance history abroad could have a lot of influence on the rates you pay for an expat car insurance policy when you return to the United States.
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Policygenius Review: Legit or Just a Lead Generator?
Policygenius doesn’t provide real-time quotes, but it can help you buy auto insurance.
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When to Hire a Home Insurance Claim Lawyer
Most homeowners can handle home insurance claims directly, but sometimes a lawyer can help negotiate a better settlement.
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Cost of Mazda CX-5 Car Insurance
The cost to insure a Mazda CX-5 varies widely by insurance company, but not so much between different model years.
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What Are the Best Cars for Senior Drivers?
Senior drivers may want to prioritize comfort and safety when purchasing a vehicle.
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Is Driving Barefoot Illegal?
No U.S. state prohibits driving without shoes, but doing so can present hazards for you while driving.
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Cost of Jeep Grand Cherokee Insurance
The cost to insure a Jeep Grand Cherokee varies among insurance companies, but not much between model years.
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How to Change Your Homeowners Insurance
You can change your home insurance company at any time, but make sure your new policy starts before canceling the old one to avoid a coverage lapse.
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Cheapest Liability Car Insurance in Georgia
Georgia drivers can find the cheapest liability-only car insurance from Auto-Owners, with rates at $73 per month.
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Is Florida a No-Fault State for Auto Insurance?
Florida is a no-fault state. This means claims for injuries are filed with each driver’s insurance, while the at-fault driver’s policy pays for property damage.
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Why Is Car Insurance So Expensive in Florida?
The average annual cost of car insurance in Florida is $2,723, which is 27% higher than the U.S. average of $2,144.
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How to Cancel Your USAA Auto Insurance Policy
USAA doesn’t let you cancel your policy online, so you’ll have to call customer service when you’re ready to switch.
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Cheapest Liability Car Insurance in Arizona
Arizona drivers can find the cheapest liability-only car insurance from Auto-Owners, with an average rate of $48 per month.
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What Is Contents Insurance and How Does It Work?
If your personal belongings are damaged or stolen, contents insurance may cover the replacement costs.
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Is Georgia a No-Fault State for Auto Insurance?
Georgia follows an at-fault car insurance system, meaning you’ll file a claim against the at-fault driver’s insurance to cover your medical bills and vehicle repairs.
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Why Is Car Insurance So Expensive in California?
The average annual cost of car insurance in California is $2,309, which is 7% higher than the U.S. average of $2,144.
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Puppy Insurance: The Best Plans for Your Pup in 2026
You can get puppy insurance once your pup reaches just 8 weeks old. Plans typically cover expenses due to accidents and illness, but you may be able to add optional wellness protection for routine care.
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Cost of Owning a French Bulldog : Purchase, Vet Bills, and More
French bulldogs are great family pets and cost between $2,000 and $8,000. Veterinary care costs for Frenchies average $600–$1,200 per year.
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Do Parking Tickets Affect Your Car Insurance Rates?
Parking tickets don’t directly affect your rates, but consequences from unpaid fines can.
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Loss Assessment Coverage: What It Is and When You Need It
Loss assessment coverage helps pay your share of condo or HOA repair costs when your association’s insurance falls short.
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Does Renters Insurance Cover Roommates?
Some insurers and states don’t allow roommates — even unmarried couples in a domestic partnership — to share a rental insurance policy.
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How to File a Renters Insurance Claim
Filing a renters insurance claim is typically a straightforward process. But you’ll need to document damage, file a police report, and submit your claim on time.
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What Is Loss of Use Coverage?
Loss of use coverage is a part of renters insurance that helps cover certain additional living expenses if a covered disaster damages your home.
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Best Time to Shop for Car Insurance: Online Tips and Money-Saving Strategies
The best time to shop for car insurance is shortly before your policy renews, after a major life event, or when you buy a new car. Shopping at the right time may help you get a cheaper rate.
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Mistakes When Comparing Car Insurance Online
Shopping mistakes could leave you paying more than you have to, or with less coverage than you need.
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Moral Hazard in Home Insurance: Definition and Examples
Moral hazard in home insurance happens when a homeowner behaves irresponsibly, like not locking their doors to prevent theft, because they assume their insurer will cover any damages.
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What Information Do You Need for a Car Insurance Quote?
To get accurate car and auto insurance quotes and rates, you’ll need basic personal, vehicle, and coverage details.
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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.
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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.
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Does a Warranty Cover Car Batteries?
Your vehicle’s warranty covers your car battery, but usually only up to a certain amount of years or miles, and conditions may apply.
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What Is a Hybrid Car?
Hybrid cars can be a fuel-saving alternative to fully gas-powered vehicles.
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How Much Does a Tesla Replacement Battery Cost?
Tesla car batteries can last 10–20 years, but replacements are expensive, ranging from $5,000 to $20,000.
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NerdWallet Review: Legit or Just a Lead Generator?
NerdWallet only offers auto insurance quotes through partner sites.
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Pet Assure Reviews: How It Stacks Up
Pet Assure isn’t pet insurance, but it instead offers a veterinary discount plan through participating employers and a wellness plan that’s open to all pet owners.
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Nationwide SmartRide Review: How It Works, Savings, and Whether It’s Worth It
J.D. Power ranks Nationwide SmartRide as the best usage-based insurance, offering safe drivers discounts of up to 40%.
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Travelers IntelliDrive Review: How It Works, Savings, and Whether It’s Worth It
Travelers IntelliDrive could help you save on your Travelers premium, but users find the app doesn’t track driving information accurately enough to see its effect on rates.
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Texas Car Accident Laws and Regulations
Texas law requires the person responsible for a car accident to pay for injuries and damage.
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Well Water vs. City Water: Which Is Better?
Well water and city water vary by cost and water quality regulations. Learn more about each water source and find out which one fits your needs.
Is Michigan a No-Fault State for Auto Insurance?
Michigan is a no-fault state and requires all drivers to carry basic liability coverage plus personal injury protection and property protection insurance.
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What to Know About Personal Injury Protection Coverage in Michigan
Michigan insurers must include personal injury protection in all auto policies, but drivers can choose to opt out of the coverage in certain cases.
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What Is an Escrow Balance, and How Is It Calculated?
Mortgage servicers use escrow accounts to cover the cost of home insurance premiums, among other things.
Chevrolet Malibu Car Insurance Quotes
Chevy Malibu drivers pay an overall average of $160 per month for car insurance, but your rate will depend on factors like your Malibu’s model year and where you live.
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Does Pet Insurance Cover Heartworm Treatment and Prevention?
Heartworm treatment can cost up to $6,000, and depending on your plan, your pet insurance may cover some of the expense.
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When You Need Road Trip Insurance
Road trip insurance offers safety nets like roadside assistance, rental car coverage, and travel medical coverage, while you’re on the road away from home.
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Does Pet Insurance Cover Prescription Food?
Some pet insurance plans may cover the cost of prescription food. But coverage limits and waiting periods may apply.
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What to Know About Illinois Vehicle Emissions Testing
Illinois requires emissions testing for most gasoline-powered vehicles in counties near big cities every two years. Some exceptions may apply, depending on your ZIP code.
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What Does a Bumper-to-Bumper Warranty Cover?
A bumper-to-bumper warranty covers your car’s parts from front to rear bumper.
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Subaru Recommended Maintenance Schedule
Keeping up with your Subaru’s recommended maintenance schedule can help extend the life of your vehicle.
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Hyundai Electric Car Recommended Maintenance Schedule
Keeping up with your Hyundai electric car’s recommended maintenance schedule helps extend the life of your vehicle and protect your investment.
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How to Cancel Your State Farm Auto Insurance Policy
You can cancel your State Farm car insurance policy at any time, for any reason, provided you have a new policy in place before making the switch.
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Vehicle Inspection Requirements by State
Several states don’t have any vehicle inspection requirements.
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The Best Pet-Safe Indoor Houseplants for Cats and Dogs
Filling your home with live plants is great for your health, but it’s important to ensure those plants are safe for your pets.
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Banfield Optimum Wellness Plan Reviews: How It Stacks Up
Banfield’s wellness plans can help you manage your annual veterinary costs. But the company doesn’t offer additional coverages, and plans may cost more than routine annual care.
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How Much Does a Vet Visit Cost?
The average cost of a routine vet checkup can range from $50 to $250, but the total cost varies based on the reason for the visit.
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Is Asbestos Removal Covered by Insurance?
Home insurance doesn’t typically cover asbestos issues, so you’ll likely need to pay out of pocket for asbestos removal.
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Covercube Auto Insurance Review: Ratings and Quotes
Covercube is a new car insurance company that uses an app to track your driving habits and driving skills to calculate your monthly premium.
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Does Travel Insurance Cover Pre-Existing Conditions?
If you have certain types of pre-existing medical conditions and need travel insurance, you may still be able to get coverage. But first, you’ll have to qualify for a waiver.
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States with the Fastest-Falling Home Prices
Home prices have fallen for the last five months in Nevada, California, Utah, and Idaho. Check out the full list of states with the fastest-falling home prices.
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Liberty Mutual vs. State Farm: Which Insurance Company Is Better in 2026?
State Farm’s lower average rates, excellent customer satisfaction, and superior financial strength make it a better pick than Liberty Mutual.
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Best Car Insurance for College Students in Texas
State Farm, Travelers, and USAA are the best car insurance companies for college students in Texas.
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Root Insurance Car Insurance Review: 1,486+ User Ratings and Expert Insights
Drivers appreciate Root’s easy sign-up process and initial affordability. But the company receives complaints about significant rate increases and difficulty reaching customer service.
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AAA vs. GEICO: Which Insurance Company Is Better in 2026?
GEICO’s affordable rates and wide range of discounts make it our choice over AAA.
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Best Car Insurance for Delivery Drivers
USAA, Allstate, and State Farm offer some of the best car insurance for delivery drivers.
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Liberty Mutual vs. Progressive: Which Is the Best?
Progressive’s relatively low rates and higher customer satisfaction scores earn it a higher Insurify Quality (IQ) Score than Liberty Mutual.
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Car Insurance for Multiple Drivers: How It Works
Adding a spouse, child, or roommate to your car insurance is often cheaper than each driver having their own policy.
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Amica Auto Insurance: User Reviews and Quotes
Amica is a top-ranking car insurance company known for superior financial strength and fewer-than-average customer complaints.
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Cost of Nissan Insurance
Nissan offers vehicles that meet a wide variety of driver needs. But insurance rates vary, so it’s important to shop around.
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State Farm vs. Farmers: Which Insurance Company Is Better in 2026?
State Farm is the better insurer for basic coverage at an affordable price. But Farmers is more likely to have what you want if you have specific overage needs.
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List of Car Insurance Companies
State Farm, American Family, and NJM are among the best car insurance companies for their high customer satisfaction and affordable rates.
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Anchor Auto Insurance: User Reviews and Quotes
Anchor sells non-standard car insurance in Arizona, California, and Texas. It may not be a great option for car insurance due to its limited coverage options and poor ratings.
Do the Names on Your Registration and Insurance Have to Match?
Most states don’t require the name on your registration and insurance to match, but a mismatch could cause problems.
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Cheap SR-22 Insurance in Washington From $72
If you’re required to have an SR-22 form in Washington, start your search with State Farm, USAA, and Root.
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Car Insurance Discounts for Texas Drivers
Texas drivers can unlock discounts for everything from being a safe driver to having a newer vehicle, enrolling in a defensive driving course, or being a member of certain organizations.
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How Long Does a Tesla Battery Last?
Tesla’s warranty generally covers battery replacement around eight years or when you hit a certain mileage, depending on the model. But Tesla batteries can often last 10 or more years.
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Can You Get Car Insurance Without a Permanent Address?
You must provide your primary address information when getting car insurance quotes and signing up for coverage.
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How to Return a Car You Can’t Afford
While most car dealerships won’t let you return a financed car, you still have plenty of other options if you’re behind on car payments.
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Car Insurance Requirements in Arkansas
Arkansas requires all drivers to have $25,000 per person and $50,000 per accident of bodily injury liability coverage, plus $25,000 per accident in property damage liability coverage.
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Car Insurance Requirements in West Virginia
West Virginia requires drivers to carry a policy with $25,000 in bodily injury liability ($50,000 max per accident), $25,000 in property damage liability, and uninsured motorist coverage.
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Car Insurance Requirements in Arizona
Arizona drivers need a minimum of $25,000 per person and $50,000 per accident in bodily injury liability and $15,000 in property damage liability.
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5 Best Naples Homeowners Insurance Companies
Security First, USAA, and Nationwide offer some of the best homeowners insurance policies in Naples, Florida.
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Am I in a Flood Zone?
Your home’s flood zone plays a role in your total insurance costs. Here’s how to determine if you’re in a flood zone.
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5 Best Fort Lauderdale Homeowners Insurance Companies
State Farm and Chubb offer some of the best homeowners insurance policies in Fort Lauderdale, Florida.
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How Much Dwelling Coverage Do You Need?
The amount of dwelling coverage you need depends on rebuilding costs — not your home’s market value.
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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.
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Does Collision Insurance Cover Hit-and-Run Accidents in Texas?
Collision insurance covers hit-and-run accidents, and you might also need to use medical payments or personal injury protection.
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How to Cancel Your GEICO Auto Insurance Policy
Cancel your GEICO car insurance anytime by calling customer service.
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How Much Is a Speeding Ticket?
The cost of a speeding ticket varies depending on how fast you were going, local laws, and other factors like previous violations and court fees.
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Cincinnati Auto Insurance: User Reviews and Quotes
Cincinnati Insurance boasts high financial and customer ratings, plus a variety of coverage options. But its rates aren’t the cheapest available.
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Does Home Insurance Cover Jewelry?
Home insurance usually includes jewelry coverage — but only up to a certain amount. You might need an extra policy to protect high-value pieces.
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Does Renters Insurance Cover Theft?
Renters insurance offers some financial protection when your personal belongings are stolen. But coverage limits vary.
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Does Renters Insurance Cover Theft from Your Car?
Renters insurance offers protection when someone steals personal items stored in your car, like a laptop, wallet, or golf clubs.
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Does Renters Insurance Cover Storage Units?
Renters insurance usually covers your belongings in a storage unit, but only up to certain limits.
How Does Renters Insurance Jewelry Coverage Work?
Renters insurance offers protection for your personal belongings. But if you have high-value items, it’s often worth getting a jewelry rider.
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Can Your Insurance Company Force You to Total Your Car?
Insurance companies can declare a car totaled and keep your vehicle in certain circumstances. But you have the option to dispute it, and you may even be able to keep your vehicle.
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Guide to Specialty Vehicle Insurance
Specialty vehicle insurance protects non-standard vehicles, such as RVs, motorcycles, boats, and classic cars, with coverage tailored to their unique risks.
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Average Car Price in 2026: What Buyers Really Pay
On average, new cars cost $49,077 and used vehicles cost $25,393.
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How Do Self-Driving Cars Work?
Recent leaps in artificial intelligence have led to major strides in self-driving technology. In this guide, we’ll look under the hood at how today’s self-driving cars work.
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Uninsured Motorist Coverage in Georgia: What to Know
Uninsured motorist coverage is an optional policy add-on in Georgia that covers damages if a driver without insurance hits you.
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Guide to Cell Phone Insurance
The best cell phone insurance offers comprehensive protection at an affordable cost.
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Pets Best vs. Trupanion: Which Is the Best for Your Pet?
Pets Best wins for more policy types and customization options, far better pricing, and coverage for exam fees.
Cheapest Phone Insurance in 2026
Phone protection is more affordable than you think — you can find plans for less than $10 per month.
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USAA Commercial Auto Insurance Review and Quotes
While USAA is well known for its personal insurance policies, the USAA Insurance Agency sells commercial auto coverage through third-party companies.
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Pets Best vs. Healthy Paws: Which Is the Best for Your Pet?
With no upper age limits, customizable plans, and optional wellness coverage, Pets Best is a better choice for pet owners than Healthy Paws.
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Moving Truck Insurance: Coverage, Costs, and What You Need to Know
Moving truck insurance can protect you and your belongings while in transit.
USAA SafePilot Review: How It Works, Savings, and Whether It’s Worth It
The SafePilot program may be a good option for safe, low-mileage drivers who don’t mind having their driving habits tracked. But it won’t be right for everyone.
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Farm Equipment Insurance: Coverage and Costs
Farm equipment insurance helps protect expensive machinery, like tractors and sprayers, from theft, damage, and mechanical failure.
Tow Truck Insurance Cost: What Business Owners Need to Know
Commercial tow truck insurance can be expensive, but it’s a must-have for tow truck owners and operators.
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Bus Insurance: Coverage Options and Costs
Bus insurance protects transportation businesses from financial losses related to accidents, passenger injuries, and vehicle damage while operating buses for commercial or nonprofit purposes.
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Farm Truck Insurance: What Farmers Need to Know
The right farm truck insurance can protect you from financial risks and prevent interruptions to your daily farm operations.
Condo Insurance in Florida: Costs, Coverage, and Requirements
On average, condo owners pay $7,074 annually for condo insurance in the Sunshine State.
What Is an Insurance Credit Score?
Your insurance credit score often affects how much you pay for car insurance.
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Best Auto and Motorcycle Insurance Bundles
With companies like Progressive and GEICO, you can save on your policies by bundling auto and motorcycle insurance.
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Guide to RV Insurance
Learn what RV insurance covers, how much it costs, and how to find the right policy for your motor home, travel trailer, or camper.
Florida Hurricane Deductible: A Complete Guide for Homeowners
Hurricane deductibles in Florida take precedence over your regular deductible until the hurricane has subsided.
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What to Know About Personal Injury Protection Coverage in Texas
Texas insurers must include personal injury protection in all auto policies, but drivers can choose to opt out of the coverage.
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SECURA Auto Insurance Review: User Reviews and Quotes
Beginning Jan. 1, 2026, SECURA car insurance will no longer be available.
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How to Get Motorcycle Insurance: A Step-by-Step Guide
Shopping around for motorcycle insurance can help you find the best coverage and rates.
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How to Get a South Carolina Driver’s License
To get a South Carolina license, you must pay a fee and may need to visit the state DMV, pass certain tests, and submit documents that provide your identity.
iPad Insurance: Coverages, Costs, and Where to Buy
Learn how to protect your iPad from accidental damage, theft, or loss and how much you might pay for various insurance or protection plans.
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How to Buy Travel Insurance for Your Next Trip
You can buy travel insurance online through an insurance-comparison website, directly from an insurer, or a travel company like an airline.
Is It Safe for Dogs to Eat Grapes?
It isn’t safe for dogs to eat grapes (or raisins) due to their toxic effects.
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Is It Safe for Cats to Eat Catnip?
Catnip is generally safe for cats and kittens (in small doses).
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Is Travel Insurance Worth It?
Travel insurance covers more than trip cancellations, but you may not always need it.
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Do Car Insurance Costs Increase After a Claim?
Car insurance premiums typically increase after a claim, depending on who’s at fault, your insurance company, and if you have accident forgiveness coverage.
What Storage Unit Insurance Covers
Storage unit insurance covers the belongings in a storage unit. You can buy a special policy, or you may be able to use your homeowners or renters insurance to protect your property.
What Is Equipment Breakdown Coverage?
Equipment breakdown coverage is an optional insurance coverage that protects against sudden electrical or mechanical breakdowns of home appliances and systems.
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Can You Own a Car Without Insurance in Texas?
You’ll likely need insurance when you own a car in Texas, since the Lone Star State requires most drivers to provide proof of insurance to complete registration.
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How Long Do You Have to Get Insurance on a Used Car in Texas?
You need to get car insurance right away when you buy a used car. But if you already have car insurance, you may be able to use that coverage temporarily.
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Road Rage Facts and Statistics: 2026
A majority of American drivers admit to road rage behaviors despite the safety risks and higher car insurance rates.
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Can You Buy a Car Without Insurance?
You can’t drive a car without insurance, but you may be able to buy a vehicle without buying insurance if you have an existing policy.
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Can You Insure a Car You Don’t Own?
It can be difficult to get traditional insurance for a car that’s not registered in your name, but you may have options like non-owner insurance.
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How to Remove and Prevent Ice Dams
Ice dams are ice buildup on your roof that potentially causes water damage to your home.
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Does Car Insurance Cover Windshield Replacement?
Your auto insurance policy may cover windshield damage if you have a full-coverage policy.
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Does Car Insurance Cover Vandalism?
Most comprehensive car insurance policies cover vandalism damage, and the average yearly cost is typically lower than paying for vandalism repairs out of pocket.
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What Is Owner’s Title Insurance, and Do You Need It?
Owner’s title insurance protects you from financial losses if anyone files a claim against your property’s title. It’s not mandatory, but it can keep you from losing your investment in your home.
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Sewer Line Coverage and Home Insurance: What You Need to Know
Sewer line coverage doesn’t cost much and can help protect you financially if your sewer line is damaged.
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What Is a DUI?
A DUI is the crime of operating a vehicle under the influence of alcohol or drugs and can result in serious legal and financial consequences.
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How to Read Your Car Insurance Card
Your car insurance card includes important policy information, like your policy number, insurer contact details, and coverage dates.
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What Is a Policyholder?
A policyholder is a person who owns a car insurance policy. Only the policyholder is allowed to make coverage changes.
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HOA Insurance: How It Works and What It Covers
HOA insurance covers common areas owned by a homeowners association, but it doesn’t offer much protection to the owners’ residences.
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How Much Does a Heat Pump Cost in 2026?
Heat pumps typically have a higher price tag than some traditional heating and cooling systems, but installing this energy-efficient alternative can save you hundreds or thousands of dollars on your energy bill.
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How to Save on Home Insurance With a Security System
Most home insurance companies offer discounts for having a security system. Homeowners who install them can save up to 20%, but discounts vary by insurer.
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Extended Car Warranties: What You Need to Know
Extended car warranties help pay for repairs not covered under your original manufacturer’s warranty. But they’re often expensive and may not always be worth the cost.
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Replacement Cost vs. Market Value: What’s the Difference?
Replacement cost is the cost of rebuilding your home or replacing damaged property based on current prices. Market value is the amount of money your home would sell for in the current market.
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Does Homeowners Insurance Cover HVAC Systems?
Most standard home insurance policies protect damage to HVAC systems stemming from a covered event, like a fire or windstorm.
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How to Get Home Insurance to Pay for Water Damage
Standard home insurance policies typically cover sudden water damage from inside your home, but it’s important to understand the limits of your protection.
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Pool Safety Tips Every Homeowner Should Know
Stay safe this summer by knowing important pool safety tips and carrying the right amount of pool insurance coverage.
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What Is an Elevation Certificate and How Does It Affect Flood Insurance?
An elevation certificate is an official document that gauges flood risk and helps determine rates for flood insurance.
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Homeowners Insurance Canceled Because of the Roof? What’s Next
Insurers can choose not to renew your homeowners policy for an old or neglected roof. But you can take steps to prevent this from happening.
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Why Car Insurance Companies Deny Claims, and What You Can Do About It
If you disagree with a denied claim, you can appeal your insurer’s decision.
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Is Earthquake Insurance Worth It?
If you live in a high-risk area and can’t afford to cover rebuilding costs after a major quake, earthquake insurance may be a wise investment to protect your finances.
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10 Indoor Plants That Are Toxic to Cats
Several common plants are toxic to cats when eaten, including lilies, daffodils, and tulips.
Does Home Insurance Cover Water Damage?
Homeowners insurance covers some types of water damage that results from a covered peril. But the damage must be accidental and sudden.
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What Is a 4-Point Home Inspection?
A 4-point inspection checks your house’s roof, HVAC, plumbing, and electrical systems to ensure the home is in good shape before an insurance company issues a policy.
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Can You Negotiate Car Insurance?
You can shop around for the most affordable car insurance rates, but you won’t have much success if you try to negotiate the car insurance premiums an insurer charges you.
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