Understanding the different types of home insurance helps homeowners choose the right protection for their property and budget. This guide explains HO-1 through HO-8 policies, what each covers, who they’re best for, and how to compare quotes to save on premiums.

Getting the right insurance for a townhouse starts with understanding how ownership affects coverage. Whether you own the entire structure, just the interior, or rent, this guide explains what’s covered, optional add-ons, and how to compare policies for the best protection.

Most home insurance policies renew automatically each year, but reviewing before renewal can save money and prevent coverage gaps. This guide explains how renewals work, why prices change, how to switch or cancel, and what happens if your policy isn’t renewed on time.

The home insurance rate increase continues across the country, and even if you’re a homeowner with a spotless record, you may be facing higher premiums. It’s more than just one factor, as rising rebuild costs, severe weather, and market shifts all play a role. Our guide explains why rates are increasing, what claims impact pricing, and how to lower your premiums with ease.

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.