Home Buying Guides

Buying a new home? These articles give you helpful tips and tricks to help you through the home buying process.


Home Actual Cash Value vs. Replacement Cost
Home Actual Cash Value vs. Replacement Cost

The next time you find yourself examining the declarations page of a home insurance policy, be sure to read the fine print to learn about how you would be reimbursed in the future for property loss.  Generally, on the declarations page of an insurance policy, it will explain whether your specific policy covers the Replacement […]

UPDATED: SEPTEMBER 27, 2022 | 1 MIN READ

My Homeowners Insurance Was Cancelled
My Homeowners Insurance Was Cancelled

An unexpected letter from your insurance company can be nerve-wracking, but thankfully, in most cases, it’s just asking for important information like your current contact details. Sometimes, they may choose not to renew your policy or even cancel it during the current policy term. Insurers can cancel home insurance policies. One of the reasons why […]

UPDATED: SEPTEMBER 27, 2022 | 2 MIN READ

Credit Check: How to Get Home Insurance Without One
Credit Check: How to Get Home Insurance Without One

Unless you live in a specific state which prohibits using credit scores or doing credit checks, such as California, Massachusetts, and Maryland, determining home insurance rates, your money management history, and spending behaviors can dramatically impact how much you pay for home insurance. Home insurance companies can use your credit information when initially underwriting a […]

UPDATED: NOVEMBER 02, 2022 | 1 MIN READ

How to Get Homeowners Insurance with an Old Roof
How to Get Homeowners Insurance with an Old Roof

Roofs are necessary for any building, but they often go unnoticed until the first rainy day. The lifespan of a roof is typically 20-30 years. Unlike wine, it doesn’t improve with age. A roof is often the most expensive and overlooked part of a home. In many cases, it is not until there is a […]

UPDATED: SEPTEMBER 22, 2022 | 3 MIN READ

How to Know if You Need Homeowners Insurance for a Condo
How to Know if You Need Homeowners Insurance for a Condo

A condo insurance policy is different from a traditional homeowners insurance policy. While you own the condo, you don’t have to cover the building or the common areas of the condo complex. Let’s explore the different types of home insurance for condos. How To Know If You Need Homeowners Insurance For a Condo Always request […]

UPDATED: SEPTEMBER 23, 2022 | 1 MIN READ

Most and Least Expensive States for Home Insurance Rates
Most and Least Expensive States for Home Insurance Rates

Home insurance is necessary to protect your financial investments against disasters, accidents, and other unforeseen events. However, factoring in the cost of it, along with the price of your new home, is important to ensure you make the best financial decisions for yourself. The average homeowners insurance rates vary tremendously from one state to another. […]

UPDATED: NOVEMBER 08, 2022 | 3 MIN READ

Home Insurance With A Wood Burning Stove
Home Insurance With A Wood Burning Stove

As with any potentially risky addition, adding a wood-burning stove to your home could affect your insurance premiums. If you want to own a log or pellet stove, there are ways to mitigate a potential increase in home insurance costs.  In this article, we’ll review how you can avoid insurance premium increases and some of […]

UPDATED: SEPTEMBER 21, 2022 | 2 MIN READ

Buying Homeowners Insurance Without an Agent
Buying Homeowners Insurance Without an Agent

When shopping for home insurance, the options can seem overwhelming and unlimited. Using an agent is one of the most common avenues to purchase insurance, and many people find them beneficial. You can buy homeowners insurance without an agent, but they can be helpful, especially when you’ve done your research. Home Insurance Agents: Who Are […]

UPDATED: SEPTEMBER 21, 2022 | 2 MIN READ

Types of Homeowners Insurance Coverage
Types of Homeowners Insurance Coverage

There are currently eight main types of homeowners insurance, each designed to suit the needs of various homeowners and their properties. Insuring your home is essential whether you own, rent, or lease a property. Homeowner’s insurance can protect you from the high costs associated with structural damage, personal property damage, and even personal liability. Considering […]

UPDATED: SEPTEMBER 21, 2022 | 1 MIN READ

My Water Heater Leaked. What Should I Do?
My Water Heater Leaked. What Should I Do?

A tank water heater can contain anywhere between 23 to 56 gallons of water or more. The water heater may fail, and all that water is now in your basement, closet, or attic. It’s probably the most common source of water damage in a home. But what should you do if your water heater leaks?  […]

UPDATED: SEPTEMBER 23, 2022 | 3 MIN READ