Home insurance can feel complicated, but the basics don’t have to be. This section explains how homeowners insurance works, what it typically covers, and what to expect when something goes wrong.
A plain-English breakdown of what a standard homeowners insurance policy typically covers, including dwelling, personal property, liability, and loss of use.
Read the guide →Learn which common events and damages are usually excluded from homeowners insurance, such as floods, earthquakes, wear and tear, and maintenance issues.
Read the guide →Learn when homeowners insurance covers water damage, when it doesn’t, and how common situations like burst pipes and flooding are handled.
Read the guide →Understand why insurance upselling happens, which add-ons are optional, and how to decide what coverage actually makes sense for your home.
Read the guide →Learn how home insurance costs vary by state and how to budget for homeowners insurance when planning a mortgage and monthly housing expenses.
Read the guide →Learn when roof damage is covered, how roof age affects claims, and what homeowners insurance typically excludes.
Read the guide →