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California suffers devastating wildfires yearly, and the insurance industry often struggles to keep up with the immense loss. The state saw $11.2 billion in damage in 2022, and as the number of wildfires grows, California homeowners face rising home insurance rates.  The Golden State’s efforts to alleviate the burden on homeowners offer significant changes to […]

UPDATED: AUGUST 08, 2023

Storm surges can be hazardous and affect residents throughout the country’s coastlines. As a homeowner, you’ll want to know if your home is protected against surges and what it means for your insurance premiums. Below we’ll review all things storm surge and what this weather event can do to your insurance rates. Storm surge – […]

UPDATED: APRIL 27, 2023

When you live in Florida, you know the potential for torrential storms, hurricanes, and heavy winds. Florida law doesn’t require wind insurance, but many lenders may need it when you take out a mortgage. Today we’ll discuss how wind insurance works in Florida, how much it costs, and ways you can reduce your insurance costs […]

UPDATED: JUNE 14, 2023

Homeowners with a history of repeat insurance claims or who reside in areas with high crime or severe weather may need help finding home insurance on the traditional insurance market. The Fair Access to Insurance Requirements program (a FAIR plan) helps high-risk homeowners locate policies that can protect their homes from damage from fire, smoke, […]

UPDATED: APRIL 27, 2023

If you live in California, you may find it all too familiar that insurance companies deny homeowner insurance, especially if a homeowner lives in a home with repeat insurance claims. However, California homeowners need home insurance, especially as California regularly experiences drought, earthquakes, wildfires, and other disasters. That’s where the California FAIR plan comes into […]

UPDATED: APRIL 27, 2023

Home insurance companies may refuse policies to Texans with high-risk homes, such as properties with multiple claims or those located in disaster-prone areas. Fortunately, the state has a Fair Access to Insurance Requirements (FAIR) plan. The Texas FAIR plan helps homeowners find adequate property insurance for their home’s protection after denial by the private market […]

UPDATED: APRIL 27, 2023

When deciding on insurance for your rental property, it can seem nearly impossible to break through the fancy insurance terms and know the best policy decision for you. When you begin hunting for insurance for your property, you’ll likely stumble across several policies, better known as DP1, DP2, and DP3. All offer insurance protection, but […]

UPDATED: AUGUST 25, 2023

One of the most significant benefits of getting a homeowners insurance policy is that your standard insurance typically covers vandalism. That’s also one of the main reasons why people get it. Below we’ll review how a standard homeowners insurance policy covers vandalism and what the policy will cover. Homeowners Insurance Coverage for Vandalism A vandalism […]

UPDATED: APRIL 27, 2023

Winter is when we start worrying about how the weight of ice, snow, and sleet affects our homes. If you live in one of the Northern states, you deal with large amounts of snow and sometimes windstorms. Homeowners insurance can protect you from snow, sleet, and ice damage. Blizzards cause a lot of damage to […]

UPDATED: APRIL 27, 2023

Wind damage is a covered peril under standard homeowner insurance policies. Home insurance companies define wind damage as damage caused by hurricanes, tornados, thunderstorms, and winter storms. Below we’ll review homeowners insurance for wind damage. According to the Insurance Information Institute, one in thirty-five insured homes has a yearly property damage claim due to wind […]

UPDATED: JUNE 14, 2023