Category: Home Insurance

Is a $2500 Deductible the Right Choice for Your Home Insurance?

Is a $2500 Deductible the Right Choice for Your Home Insurance?
Evelyn Waterstone Jul 19 2025

Wondering if a $2500 deductible is smart for home insurance? Find out exactly what it means, how much you could save or risk, and who it's right for.

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Why Did My Home Insurance Rates Jump in 2024? All the Key Reasons Explained

Why Did My Home Insurance Rates Jump in 2024? All the Key Reasons Explained
Evelyn Waterstone Jul 6 2025

Shocked by your 2024 homeowners insurance bill? Learn why rates spiked so much in Australia, who's to blame, and what you can actually do.

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Who Qualifies for USAA Home Insurance? Key Rules and Surprising Exceptions

Who Qualifies for USAA Home Insurance? Key Rules and Surprising Exceptions
Evelyn Waterstone May 18 2025

Thinking of USAA for your home insurance? It's not for everyone. This article cuts through the confusion on who actually qualifies for a USAA policy, why the rules are so unique, and what tricks can help your family snag coverage. Get the details, learn about real-life exceptions, and see how membership could save you money and hassle.

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Understanding Homeowners Insurance: What's Often Not Covered?

Understanding Homeowners Insurance: What's Often Not Covered?
Evelyn Waterstone Mar 26 2025

Homeowners insurance is vital, but not every type of damage is covered. Learning about typical exclusions, such as flood and earthquake damage, can save future headaches. Being aware of what your policy doesn’t cover helps homeowners make informed decisions to fill those gaps with additional policies. This proactive approach can protect against common pitfalls and ensure comprehensive protection for valuable assets.

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Is Switching Insurance Companies Often Smart?

Is Switching Insurance Companies Often Smart?
Evelyn Waterstone Mar 15 2025

Exploring whether frequently changing home insurance providers is beneficial or risky, this article discusses the pros and cons of switching. Many homeowners grapple with loyalty versus potential savings. We dive into real reasons to consider a switch, like better rates or much-needed coverage, while also examining hidden pitfalls such as penalty fees or coverage gaps. Empowering readers with insights and tips helps them decide if staying or leaving their insurance company serves them best.

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Choosing the Most Reliable Home Insurance Company: Insights and Tips

Choosing the Most Reliable Home Insurance Company: Insights and Tips
Evelyn Waterstone Jan 21 2025

Finding a trustworthy home insurance company is crucial for protecting your home and belongings. This article sheds light on how to identify reliable insurers by considering their financial strength, customer service, policy offerings, and claims handling process. Explore some well-regarded companies and understand key factors that influence consumer trust. By the end, you'll have practical tips to make an informed decision about your home insurance provider.

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Understanding the Surging Costs of Homeowners Insurance in 2025

Understanding the Surging Costs of Homeowners Insurance in 2025
Evelyn Waterstone Jan 1 2025

In recent years, many homeowners have been shocked to find that their insurance premiums have doubled or even tripled. Several factors contribute to these rising costs, including increased natural disasters, inflation, and changes in underwriting practices. This article explores these factors in depth, provides strategies for managing insurance expenses, and advises homeowners on how to get the best coverage for their needs. Learn how to navigate the evolving landscape of home insurance without breaking the bank.

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Understanding the 80% Rule in Homeowners Insurance: Key Insights and Tips

Understanding the 80% Rule in Homeowners Insurance: Key Insights and Tips
Evelyn Waterstone Dec 11 2024

The 80% rule in homeowners insurance is a critical principle that impacts your policy coverage and potential claims. It requires homeowners to insure their property for at least 80% of its replacement cost to avoid penalties during claims. This article dives into the specifics of the rule, offering insights and tips to ensure adequate home protection, while avoiding common pitfalls during the insurance process. Discover how understanding and applying the 80% rule can safeguard your home and financial peace of mind.

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Common Gaps in Homeowners Insurance Coverage

Common Gaps in Homeowners Insurance Coverage
Evelyn Waterstone Dec 8 2024

Homeowners insurance is essential for protecting your most valuable asset, but certain aspects of your home might not be covered by standard policies. Understanding these exclusions helps you prepare for unexpected expenses and fill coverage gaps. Typically, issues like flooding and mold damage are not included, often catching homeowners by surprise. With insightful tips and practical guidance, this article sheds light on what is usually not covered, enabling you to safeguard against unforeseen circumstances effectively.

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