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Flood Zone X: Homeowners Insurance Explained [2025]

Buying a home can be stressful, but add the worry of having your home flooding in the future, and you may become a little overwhelmed. However, flood zones are mapped out across the United States to m...

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What is the average cost of homeowners insurance?

Based on recent numbers, the average cost of home insurance is just above $800 per year nationwide. This means it is significantly higher in some states and significantly lower in others. Read the fac...

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How much will my home insurance go up every year?

Wondering about how much your home insurance will go up every year? Chances are there is not too much to worry about. Unlike car insurance, home insurance does not take huge leaps and bounds as often....

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Will homeowners insurance pay for smoke damage?

In most cases, home insurance does cover smoke damage. In fact, the HO-1 (Basic Form Homeowner Policy) lists smoke explicitly as one of the most common claims. Smoke can damage a home in a hurry and u...