High-value home insurance: when a standard policy is not enough
Standard policies cap valuables and rebuild coverage. Here is how to tell when your home has outgrown standard insurance.
Know what care costs before you get the bill
Plain-English guides to what medical and dental care costs in the US without insurance, and the cheapest ways to pay for it.
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Windstorm insurance in coastal states: what it costs and what it covers
On the coast, wind damage may need its own policy with its own deductible. Here is how windstorm coverage works and what it costs.
How a homeowners insurance claim affects your rates
Filing a claim is what insurance is for, but it usually raises your rate for years. Here is how to decide when filing is worth it.
Homeowners insurance discounts worth asking about
Most homeowners miss discounts they already qualify for. Run through this list before renewal: bundling, security, loyalty, and more.
How home renovations change your homeowners insurance costs
Renovating changes your rebuild cost and risk profile. Here is how to keep your coverage right-sized before, during, and after the project.
Wildfire coverage in home insurance: what California and western homeowners should know
Wildfire is covered by standard policies, but limits, living expenses, and carrier availability need attention in California and the West.
Hurricane deductibles: how they work and what they cost
A 2% hurricane deductible on a $400,000 home means $8,000 out of pocket. Here is how percentage deductibles work and what triggers them.
How we write our guides
Our guides give price ranges, since what you pay depends on where you go and the treatment you need. Each one explains what pushes the price up or down and how to check it before you book.
We update a guide when prices or rules change, and every guide shows the date of its last update. We don't earn commissions from providers or insurers. If you spot a mistake, email hello@insightsoninsurance.com and we will correct it.
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