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10 Areas of Your Home That Most Homeowners Insurance Policies Don’t Protect
Make sure your home insurance thoroughly protects your home by adding relevant supplemental coverages, like flood and earthquake coverage.
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How to Buy Flood Insurance in 2026: A Step-by-Step Guide
To buy flood insurance, check your flood risk, estimate how much dwelling and contents coverage you need, and compare NFIP and private policy options before flood season.
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Indiana Home Insurance Costs Jumped Over 17% Since 2023
After a 6% increase in 2025, the state will see an additional 3% hike in 2026, new report projects.
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Home Insurance in High Fire-Risk Areas: What Homeowners Need to Know in 2026
Wildfire exposure makes home insurance harder and more expensive to get, but homeowners in high fire-risk areas still have coverage options through private insurance companies and state-based FAIR Plans.
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What Is Home Repair Insurance?
Home repair insurance is a service contract — not an insurance policy — that can cover repairs and replacement of home systems and appliances after a covered breakdown.
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Minnesota Home Insurance Costs Soared 34% in 2025
And Minnesota homeowners could face another increase of nearly 4% in 2026, new report projects.
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High-Risk Homeowners Insurance: Best Companies for Hard-to-Insure Homes
Kin, Foremost, and Nationwide are some of the best companies if you’re a high-risk homeowner.
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Does Homeowners Insurance Cover Trampolines?
Backyard trampolines can raise insurance risks. Learn how homeowners insurance treats trampolines and how to protect yourself from liability.
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Wildfire, Hail, Building Costs Pushed Montana Home Insurance Costs Up by 18% in 2025
Average annual premium rose over $300 last year, new report says. And 2026 could bring further increases.
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The Most ‘Affordable’ Cities for First-Time Homebuyers Redefine Affordability
The age-old 30% rule is unrealistic. New homeowners often spend closer to 50% of their median household income on homeownership costs.
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Washington Home Insurance Costs Likely to Climb in 2026
State home insurance premiums could rise 4.4% by year’s end, but will still be among the most affordable in the U.S.
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Florida Home Insurance Costs Spiked 18% in 2025, New Report Finds
The Sunshine State remains the most expensive place in the U.S. for homeowners insurance, according to Insurify’s Insuring the American Homeowner Report.
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California Homeowners Could Face 16% Insurance Rate Jump in 2026, Report Says
Insurers may seek rate increases to offset losses from 2025 L.A. wildfires, according to Insuring the American Homeowner Report.
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Insurify Projects Home Insurance Rates Will Rise for the 5th Consecutive Year, After a 12% Increase in 2025
The annual cost of home insurance will reach $3,057 (+4%) by the end of 2026, following a year in which nearly all states saw climbing premiums. Insurify projects that California, Nebraska, New Mexico, and Georgia will see home insurance premiums surge 10% or more by the end of this year.
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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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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.
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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.
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.