Homeowners insurance guides
Short, answer-first guides to the parts of homeowners insurance that actually move your premium and your protection: what an HO-3 policy covers, the factors insurers price on, legitimate ways to lower your premium, and why you insure for replacement cost rather than market value. General information, not advice — verify specifics with your insurer.
Data as of June 2026.
The six coverages in a standard HO-3 policy, what's excluded, and why HO-3 is the most common form.
What drives your home insurance premiumThe factors insurers price on: location, rebuilding cost, roof, deductible, claims history and credit.
How to lower your home insurance premiumPractical, legitimate ways to cut your premium without leaving yourself underinsured.
Replacement cost vs market valueWhy you insure to rebuild, not to sell - and how to set your dwelling coverage correctly.
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Last updated: 2026-06-20