Coverage

Home Insurance

Covers the structure of your home, your belongings, and your liability as a homeowner. What it does not cover — flood, earth movement, wear and tear — is as important as what it does.

By state

Home Insurance by state

Insurance is regulated state by state. What a policy must include, what it may exclude, and who writes it all change at the state line.

Coverage explainedHomeowners insurance explained: the six parts of the policyA home policy is six coverages, and the first one silently sets the size of three others. Here is how the structure works and where it goes wrong.Aug 2026 · 7 min read
Buying guidesHow to choose an insurance agentAnyone can quote you a price. The differences that matter are who the agent represents, how they are paid, and what they write down.Aug 2026 · 6 min read
Buying guidesWhat a declination letter is, and why you want oneIf you turn down a coverage your agent recommended, ask for it in writing. Here is what that document should contain and why it protects you.Aug 2026 · 3 min read
ClaimsWhat happens when you file a claimFrom the first call to the final payment: who does what, why the first cheque is often smaller than expected, and where the process usually stalls.Aug 2026 · 5 min read

Talk to someone who has to write it down

Every certified agency has agreed to present an adequately protected option before a price-driven one, and to document in writing anything you decline. That is a different conversation from the one that starts with a monthly figure.

Find a certified agent

Home Insurance by state

Reading on home insurance

Talk to someone who has to write it down