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What We Can Do for You

Homeowners insurance protects the largest single investment most people make: their home. Our guides help you understand policies and make necessary and critical decisions easier.

Who has the Best Insurance Rates?

We analyzed hundreds of quotes across the U.S. and some homeowners are paying much more than others.

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States with the Highest Rates

$ 1991
$ 1722
$ 952
US Average

Homeowners Insurance Basics

Familiarize yourself as a beginner, or reinforce your knowledge as an expert.

Airbnb Insurance: What Is Covered And Excluded

Understand what Airbnb's insurance covers and excludes, whether you're a host or guest. We discuss the coverage Airbnb's Host Protection...

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Homeowners Insurance Research & Advice

What is an Insurance Peril? Definition and Examples

Peril definition: In insurance, a peril is a specific cause of bodily injury or property damage. Insurance exists in part to help you... Read More

Where Have Property Taxes Increased the Most?

The median home value in the United States has risen by over $18,000 from 2007 to 2017, and American homeowners saw an average increase of... Read More

What Is An HO-3 Homeowners Insurance Policy?

An HO-3 insurance policy, known as an HO-3 special form homeowners insurance policy, is the most common type of home insurance on the... Read More

Are Smart Device Home Insurance Discounts Worth It?

As an increasing number of insurance companies have partnered with smart device makers, purchasing a smart device is a handy way to save on... Read More

Should I Consider a High Value Home Insurance Policy?

High value home insurance provides an array of extra coverages and services not available through typical insurers. But it's only available... Read More

Texas Farm Bureau Auto & Home Insurance Review: Strong Customer Service Props Up Unremarkable Policy Coverage

The Texas insurance branch of the American Farm Bureau Federation, Texas Farm Bureau, offers strong customer service, so you'll have few... Read More

How To Estimate The Replacement Cost Of Your Home

Calculating the cost to build or rebuild a house, also known as replacement cost, is one of the most important steps in shopping for... Read More

Excess Flood Insurance: What Is It? Who Needs It?

If you have a high-value home located in a high-risk flood area, you may need excess flood insurance. This insurance covers damage to your... Read More

Most and Least Affordable Cities in Michigan for Homeowners & Renters

The affordability of housing costs for homeowners and renters in Michigan varies significantly based on the city in which you live. The... Read More