Your Home Insurance Rate Went Up: What to Do Next
Do not just pay the higher renewal. Shop quotes, raise your deductible, and ask for discounts with this step-by-step plan.
All guides
Every cost guide we have published, newest first.
Homeowners Insurance Costs for First-Time Buyers: What to Budget
Expect $1,000 to $3,000 a year plus escrow reserves at closing. Here is how first-time buyers should budget for home insurance.
How Insurers Calculate Your Home’s Replacement Cost
Your dwelling limit is priced off rebuild cost, not market value. Here is exactly how insurers build the estimate.
Why Did My Homeowners Insurance Go Up in 2026? The Real Reasons
Premiums are up nearly 80 percent since 2020. Here are the real forces behind rising home insurance costs in 2026.
Zero-Premium Health Plans: When $0/Month Is Real
Zero-premium plans are real: your tax credit can wipe out a Bronze premium entirely. But the deductible stays -- when $0/month is a bargain and when…
How a Swimming Pool Changes Your Home Insurance Cost
A pool can add 10 to 50 percent to your premium. Here is how the coverage works, what raises it more, and how to keep costs…
The Family Glitch Fix: How Spouses and Kids Get Marketplace Subsidies
The 2022 family glitch fix lets spouses and kids get marketplace subsidies when employer family coverage costs too much. How the rule works and how to…
Medicaid Eligibility in 2026: Income Limits and Who Qualifies
In expansion states, adults earning up to 138% of the poverty level qualify -- about $22,025 for a single person in 2026. Who qualifies, the ten…
New vs Old Homes: Insurance Cost Differences Explained
A house built last year can cost hundreds less to insure than one built in 1975. Here is why age matters and what updates close the…
Moving to Another State? What Happens to Your Health Insurance
Marketplace plans stop at the state line. A permanent move opens a 60-day special enrollment period -- how to avoid a gap and re-shop your new…
New Baby or Adoption? How to Add Your Child to Your Health Plan
Birth or adoption triggers a 60-day special enrollment period with coverage backdated to the event date. Adding your child to an employer plan, marketplace plan, or…
Cheapest and Most Expensive States for Homeowners Insurance in 2026
Florida averages $8,471 a year while Hawaii averages $738. Here is where your state ranks for homeowners insurance in 2026 and why.
