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homeowner’s insurance policy

The 7 Most Unhelpful Things to Say to Someone Who’s House Hunting

By home, Home Insurance, homeowner’s insurance policy, Homeowners

Real talk: Buying your first house – or any house! – is one of the biggest financial decisions you’ll make in a lifetime. (That’s why it matters to do your research about homeowners insurance.) My husband and I have been house hunting for more than three years. And if your experience is anything like ours… it’s an emotional roller coaster. As…

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The Do’s and Don’ts of Restoring an Older Home

By Home Insurance, homeowner’s insurance policy, Homeowners

Old homes have a certain charm that’s hard to match with a new build. This is especially true when they’re restored back to their former glory. But we’ve all watched enough DIY reality TV shows to know that remodeling an older home isn’t as easy as it sounds. Historic houses were built with different materials and technologies than we use…

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What is Guaranteed Replacement Cost?

By Buying a home, home, Home Insurance, homeowner’s insurance policy, Homeowners

There are few things in life worse than losing your home to fire or a natural disaster. Except, that is, discovering in the aftermath that you don’t have enough homeowners insurance coverage to rebuild the house back to the way it was before trouble struck. If you get guaranteed replacement cost coverage, that is unlikely to happen. Why? Because guaranteed replacement cost…

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When You Can’t Come Home: What Does "Loss of Use" Coverage Actually Cover?

By Home Insurance, homeowner’s insurance policy

Your homeowner’s insurance policy will pay to repair damage to your home caused by a fire, windstorm or other covered cause of loss. But when you and your family incur expenses for moving out while repairs are made, who picks up the tab? An often-overlooked but essential function of your homeowner’s policy is “additional living expenses” (also called “loss of…

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