Vacant home insurance protects properties left empty for 30–60 days or longer, by covering theft, vandalism, and weather damage that standard homeowners policies often exclude. Costs average $500–$2,500 annually, depending on risk and location. Homeowners can save by securing the property, maintaining upkeep, choosing shorter-term coverage, and comparing multiple carriers.

Roof damage isn’t always straightforward with homeowners insurance. Coverage depends on the cause, though storms, hail, or snow are usually covered, while wear and tear is not. Deductibles, where you live, and how you maintain your roof all matter. Compare policies, document upkeep, and review yearly to avoid costly surprises.

Fire is one of the biggest risks homeowners face, but most home insurance policies cover it by protecting your house, belongings, and living expenses. Coverage applies to common causes like kitchen fires, faulty wiring, and even wildfires, though limits exist. Maintenance, discounts, and add-ons help lower risks and save money.

Your home insurance deductible affects both your monthly premium and what you’ll owe after a claim. From flat vs. percentage deductibles to tax rules and assistance programs, understanding your options helps balance savings with protection. Our guide explains how to choose the right deductible for your budget and peace of mind.

Water damage can strike fast and cost big, but home insurance doesn’t always cover it. This guide explains what’s usually protected, what exclusions apply, and how to avoid denied claims, helping you stay prepared, protect your home, and keep surprises from draining your wallet.