Home Insurance articles
In-depth, plain-language articles about home insurance from Why Insurance Me.
Types of home insurance coverage explained
A standard home insurance policy is made up of several coverages that work together: the structure of your home, your belongings,...
Read more →What is umbrella insurance and who needs it?
Umbrella insurance adds an extra layer of liability coverage above the limits of your home, auto, and other policies. It is design...
Read more →Landlord insurance explained
Landlord insurance covers a property you own and rent to others. It looks similar to homeowners insurance but is built for the ris...
Read more →Mobile and manufactured home insurance explained
Mobile and manufactured home insurance is designed for factory-built homes, which standard homeowners policies often will not cove...
Read more →Condo insurance (HO-6) explained
Condo insurance, often written as an HO-6 policy, fills the gap between your condo association's master policy and your personal r...
Read more →Earthquake insurance explained
Standard homeowners and renters policies exclude earthquake damage, so coverage must be added separately. Earthquake insurance hel...
Read more →Scheduled personal property explained
Standard home and renters policies cap how much they pay for high-value items like jewelry, watches, art, and instruments. Schedul...
Read more →Water backup coverage explained
Water backup coverage pays for damage when water backs up through sewers or drains, or when a sump pump fails. Standard home and r...
Read more →Average home insurance cost: what shapes your premium
An average home insurance cost makes a tidy headline, but it tells you little about your own home. Your premium reflects the speci...
Read more →Home warranty vs. home insurance: what is the difference?
A home warranty and home insurance are easy to confuse, but they protect against different problems. One covers sudden disasters a...
Read more →Named perils vs. open perils: how your policy decides what is covered
One of the most important distinctions in a property policy is whether it is written on a named-perils or open-perils basis. This...
Read more →Replacement cost vs. actual cash value: the difference that matters most
When a claim is paid, the single biggest factor in how much you receive is whether your policy pays replacement cost or actual cas...
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